khkcapital.co.uk

What It Is

KHK Capital is a London-based real estate secured lender. Since 2016, it has been lending its own “family office” capital, later bringing in high-net-worth private investors and establishing revolving bank credit facilities. Its core business is not payment acquiring, but short-term, property-backed financing for commercial borrowing by real estate professionals.

Core Services and Coverage

The website states that it offers commercial and residential property loans, first and second charge mortgages, development loans, exit finance, HMO financing, and auction purchase finance, covering England and Wales. Case studies include new-build residential projects, office-to-residential conversions, and fast bridging loans for London home purchases, with loan amounts ranging from £210,000 to £2.1 million and sample LTVs of around 60% to 75%.

Pricing and Funding Efficiency

The main site does not disclose standard interest rates, arrangement fees, exit fees, valuation fees, or legal costs, nor does it specify approval or drawdown timelines. Borrowers therefore need to contact the company directly for a quote. Case studies show projects typically being repaid after 6, 12, or 14.5 months, suggesting that KHK Capital is more focused on short-term bridging and development-cycle finance than long-term mortgages.

Compliance and Risk Controls

The site sets relatively strict eligibility requirements for investors. It states that the information is intended for professional investors, while high-net-worth individuals must meet income or net asset thresholds, and self-certified sophisticated investors must also satisfy experience-based criteria. The investment promotion content also states that it has not been approved by an authorised person under FSMA, and that individuals do not benefit from FSCS protection. In terms of risk control, KHK relies on property collateral, LTV controls, quarterly third-party operational audits, monthly financial reporting, and annual audited accounts as key safeguards. It also discloses a 1.5% enforcement rate and a 100% enforcement recovery rate.

Pros, Cons, and Who It Is For

Its strengths are a clear focus on UK real estate short-term lending, relatively transparent case studies, and funding line support from institutions such as Shawbrook and HTB. Its drawbacks are the lack of fee and process information, prominent risk warnings on the investor side, and no API or online integration capability. It is better suited to property developers in England and Wales with clear collateral and an exit strategy, rather than ordinary retail investors or businesses looking for cross-border payment solutions.

Access from China and Alternatives

Access from mainland China cannot be determined from the main website content. Chinese users interested in UK real estate finance may compare KHK Capital with providers such as LendInvest, Octopus Real Estate, Together Money, and Shawbrook. If the requirement is payment acquiring or cross-border payments, payment-focused services such as Stripe, Airwallex, and WorldFirst would be more appropriate.