Frequently Asked Questions

 

Who Are KP Finance?

Founded in 2016 by Samuel Kalms, KP Finance is a specialist real estate finance broker based in London, facilitating asset-backed finance from £1 million upwards.

Are you a broker or a lender?

KP Finance is a bridging loan broker. Our expertise and experience in the bridging loan industry allows us to place your loan requirements with the best and more suitable lender.

Our specialty is connecting you with a lender that understands your personal needs and requirements and can offer flexible terms that are structured for you.

What products do you offer?

We specialise in bridging, commercial and residential investment and development finance.

What is the minimum loan amount you can offer?

We facilitate real estate finance loans starting from £500,000 upwards.

Do you offer regulated or unregulated activity?

KP Finance specialises in unregulated bridging loan activity enabling us to make faster approvals and offer more flexibility in terms of deal structure.

Do you lend in just the UK or overseas too?

Yes, we can facilitate lending in the UK, Scotland and Wales and are able to consider real estate opportunities abroad including the US, middle east and far east.

What can bridging loans be used for?

    • Property purchases

    • Investment property purchases

    • Residential property

    • Commercial property

    • Buying property at an auction

    • Renovations and refurbishments

    • Chain breaks in property sales

    • Land acquisition

What type of properties do you lend against?

    • Residential

    • Commercial (all asset classes),

    • Mixed-use

    • Land purchases

    • HMOs

    • Hotels

    • Warehouses

    • Garages

    • Student accommodation 

    • Leisure centres and gyms

    • Offices

    • Blocks of flats

What are your typical arrangement fees?

As a broker or intermediary, we charge a 1-2% fee of the overall loan value which is paid upon completion of the loan.

How soon can I receive a decision in principle?

KP Finance can usually provide an initial decision within 24 to 48 hours. We will require information about the property, its value and your plans for it. We may also request proof of funds for a deposit and recent financial records.

How soon can I receive funding?

Bridging loans can be funded as quickly as 5 days (should circumstances allow) but the full process from start to finish can typically be 3 to 4 weeks.

Do you run credit checks?

A bridging lender or partner of ours will sometimes run a credit check upon application. At KP Finance, we do not run credit checks ourselves, but undertake our own initial KYC/AML and PeP checks to ensure the suitability of our customers.

How is KP Finance different?

Our relationships with established lenders and partners have been built over several years – and many of the financial options we have are not available through traditional means.

We can structure the deal in the best way to suit your cash flow and timeline requirements and provide an impeccable service from start to finish.