Karayacapital Reviews 28

TrustScore 4.5 out of 5

4.7

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Rated 5 out of 5 stars

Yet again working with Kuldeep at Karaya Capital was excellently satisfying and a pleasure. Thank you Kul for your assistance with our additional financing, portfolio restructuring and the property... See more

Rated 5 out of 5 stars

Kul is very knowledgeable and very decisive in anything finance related but also beyond the scope of what he offers. Always willing to help, listen and give great insights. Great company and person to... See more

Rated 5 out of 5 stars

Karaya Capital sorted me out financing when no one else could. Went to Kul after many other Finance advisors weren’t able to get myself & my family our residential financing. Kul thought outsid... See more

Rated 5 out of 5 stars

Kul at Karaya Capital was absolutely fantastic to work with! His kind, friendly, and approachable demeanor made the entire mortgage process feel seamless and stress-free. What truly impressed me was... See more

Company details

  1. Finance Broker
  2. Asset Manager Service
  3. Business Insurance Company
  4. Property Investment
  5. Real Estate Developer

Written by the company

Specialist Property Debt Advisory, Finance & Insurance Services for Investors & Developers. We offer a wide range of services including * Mortgage Financing (Residential, Buy to Let, Bridging, HMO, Commercial, Development) * Insurance (Residential & Commercial, House & Life Cover) * Asset Finance (Equipment Finance, Classic Car Finance, Art, Luxury Watches) * Healthcare Finance ( Care Home, Medical Equipment, Dentistry, Pharmacy & Veterinary Business & Building Purchases ) * Farm & Equestrian Finance ( Agricultural Land, Livestock, Machinery ) * Specialist Asset Finance ( Private Debt Finance (Joint Venture & Mezzanine Debt), Corporate Finance), Private Equity Funds, Family Offices * Client Profiles (Personal, Limited Company, LLP (Limited Liability Partnerships), EX PAT Whether you are looking to buy your First Home or expand your Investment Portfolio & Business, we have you covered. We have great relationships spanning across Specialist Lenders & Traditional Banks to Private Equity Funds & Family Offices professionals to secure the Finance Deals for your requirements. Contact us at www.karayacapital.co.uk & ks@karayacapital.co.uk , to discuss how we can work with you and your clients to expand their assets.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

28 reviews

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Rated 5 out of 5 stars

Working With Kuldeep

Yet again working with Kuldeep at Karaya Capital was excellently satisfying and a pleasure.
Thank you Kul for your assistance with our additional financing, portfolio restructuring and the property deals that were handled in a very proffesional manner. Your guidance, responsiveness and expertise throughout the whole process were greatly appreciated. We value your support very highly and look forward to working with you again.
Thanks Harj

February 2, 2026
Unprompted review
Rated 5 out of 5 stars

Knowledgeable and Helpful

Kul is very knowledgeable and very decisive in anything finance related but also beyond the scope of what he offers. Always willing to help, listen and give great insights. Great company and person to building a prosperous relationship with

January 30, 2026
Unprompted review
Rated 5 out of 5 stars

Development finance

Strong Thankyou too Kul from Karaya capital who played a excellent role in getting our 500 k development finance he went above and beyond working tirelessly to make this happen.

December 8, 2025
Unprompted review
Rated 5 out of 5 stars

Development Loan

Grateful to Kul from Karaya Capital for assisting with my portfolio finance and brand-new build construction loan. Went over and beyond to get this deal over the line, would highly recommend.

November 10, 2025
Unprompted review
Rated 5 out of 5 stars

Kay's knowledge is second to none!

Kay's knowledge is second to none. He really put my mind at ease with my different business finance enquiries. Looking forward to doing many more deals, I would not hesitate to recommend Kay and his team.

October 9, 2025
Unprompted review
Rated 5 out of 5 stars

Sukhy Singh /Taylor Rose Solicitors

We have worked with Kul on many transactions as acting solicitors for mutual clients and have been continually impressed with his professionalism and dedication.

From a solicitor's perspective, working with a broker who understands the timing and documentation required on the legal side is invaluable. Kul is exactly that kind of broker - efficient, detail-oriented and client-focused.

June 30, 2025
Unprompted review
Rated 5 out of 5 stars

Kul at Karaya Capital was absolutely…

Kul at Karaya Capital was absolutely fantastic to work with! His kind, friendly, and approachable demeanor made the entire mortgage process feel seamless and stress-free. What truly impressed me was his knowledge and attentiveness - he was fully invested in finding the perfect mortgage solution for my husband and I. Highly recommend! Thanks again Kul!!

Let me know if that's perfect now!

April 16, 2025
Unprompted review
Rated 5 out of 5 stars

Kul sorted out my financing when no one else could

Karaya Capital sorted me out financing when no one else could. Went to Kul after many other Finance advisors weren’t able to get myself & my family our residential financing.

Kul thought outside of the box and was able to get us Joint Borrower Sole Proprietor financing from a Specialist bank.

The deal was complicated involving gifts, previous residential property commitments & term arrangements. Somehow managed to get this through. All before the stamp duty changes too!

Thank you so much for helping me and most importantly my family. My wife and son are super happy in our new home. You guys smashed it. Thank you all

June 23, 2025
Unprompted review
Rated 5 out of 5 stars

Great work from Kul & Karaya Capital

Great work from Kul & Karaya Capital. They were able to raise a refinance to restructure my investment loan to pay off my existing creditor for my SME company. They provided an up to date service, clarified matters clearly & over exceeded our expectations on completing the matter.

Achieved a smooth, quick service from all the team, solicitors & the bank members overall.

Looking forward to working with Kul & the team further to finance my other portfolio deal matters, restructuring assets and better allocate funds to grow our wealth as a family.

June 20, 2025
Unprompted review
Rated 5 out of 5 stars

Very fast service and very responsive

I used Karaya Capital to organise finance for my HMO property that was on a bridge loan. We had real tight timescales but they came through and were able to help us re-finance in record time.

I haven't worked with a company that is this responsive and willing to go above and beyond to get the right deal to suit your needs.

I am working on my second project at the moment and I would highly recommend them.

June 10, 2025
Unprompted review
Rated 5 out of 5 stars

I have used Kul several times now for…

I have used Kul several times now for my semi-commercial and HMOs. He is very knowledgeable and transparent. I will be using him again for an auction purchase. I would not hesitate to recommend him. Thank you very much Kul for making each transaction stress-free!

May 1, 2025
Unprompted review
Rated 5 out of 5 stars

Outstanding turnaround

Kuldeep has been outstanding in getting our limited company HMO refinanced in a record 5 weeks with Hampshire Trust. I’m amazed. He’s saved me a hefty fee that my bridgor would have charged. I had no idea when I came to him 6 weeks before my end of term that things would be so tight. Lesson learned. Great service and tenacity. He is quick!! Thank you Kuldeep!

May 28, 2025
Unprompted review
Rated 5 out of 5 stars

As a first-time buyer

As a first-time buyer, I was nervous about the whole mortgage process—but working with Karaya Capital made everything so much easier than I expected! Kul was so friendly, patient, and extremely knowledgeable. He took the time to explain everything in simple terms and answered all my (many!) questions without hesitation.

I never felt rushed or pressured, and he really helped me understand my options and what would work best for my situation. Thanks to his guidance and support, I felt confident every step of the way and ended up with a great mortgage deal.

I’m so grateful to Karaya Capital for making this experience such a positive one. I wouldn’t hesitate to recommend Karaya Capital to any first-time buyer!

May 2, 2025
Unprompted review
Rated 5 out of 5 stars

I recently purchased my first home


I recently purchased my first home, and I couldn’t be more grateful to Karaya for making the process smooth, transparent, and stress-free. As a first-time buyer, I had a lot of questions and uncertainties, but the team at Karaya was incredibly patient, knowledgeable, and supportive every step of the way.

They took the time to explain all my mortgage options clearly, helped me secure a great rate, and worked tirelessly to ensure everything was in place for a timely closing. Communication was always prompt and professional, and I truly felt like they had my best interests at heart throughout the entire process.

Thanks to Karaya Capital, I was able to move into my first home with confidence and peace of mind. I highly recommend them to anyone looking for trustworthy and efficient mortgage brokers — especially first-time buyers like me!

May 22, 2025
Unprompted review
Rated 5 out of 5 stars

Kul from Karaya Capital

Kul from Karaya Capital. Thank you so much for your excellent and professional work where you assisted in my Portfolio with £1m of Specialist Finance Transactions for both my Personal Assets and Property Businesses in Kent.
The service was outstandingly above excellent where you were available anytime and any day and your rapid response to any questions and advice. Your guidance with the interaction of the solicitors and accountants again was excellent with you and your company very much being in the forefront every step of the way.
Kul your knowledge and contacts regarding the above matters were priceless. Will definitely be using Karaya Capital in the future and have and will be recommending you and this business. Through you I have learnt so much about my own portfolio.
My end results were excellent and professional.

Thank You So Much

Bal Kaur

January 6, 2025
Unprompted review
Rated 5 out of 5 stars

Incredibly Knowledgeable!

Worked with Kul, of Karaya Capital, on many of occasions. His knowledge of the finance market, client needs, complexed deal structures and portfolio lending is top tier. Very happy to have assisted with circa £1.5M of business in just a few months.

February 28, 2025
Unprompted review
Rated 5 out of 5 stars

Highly Recommend Karaya Capital!

Kul was professional, efficient, and knowledgeable throughout the entire mortgage process and worked diligently to secure me a mortgage offer for me in just 5 days.

If you're looking for a reliable and fast mortgage broker, I highly recommend Karaya Capital!

February 20, 2025
Unprompted review
Rated 5 out of 5 stars

Super knowledgeable and great customer service!

Super knowledgeable and great customer service!

Bought my first buy-to-let with the help of Kul. He was super knowledgeable and extremely patient with me throughout the process. He has great connections with a vast amount of lenders, and thus, helped me secure the best deal possible.

Will definitely recommend Kul to friends and family going forward.

Thank you so much for your help!

February 4, 2025
Unprompted review
Rated 5 out of 5 stars

Kul was absolutely amazing

Kul was absolutely amazing, he came back to us quickly with any queries we had. I felt so reassured as he explained everything so clearly. Nothing was ever too much trouble. I will absolutely look to Kul and his company for any help I need in the future.

December 17, 2024
Rated 5 out of 5 stars

Experienced Landlord

Thank you Karaya Capital for giving me a heads up on my Buy to Let property remortgage. As a experienced landlord I went to Kul to find out my recent options for my investment property. He and his team were very helpful in both the residential & buy to let queries I had. I’m now in a better position to move forward with the new refinance. Great service and got back to me in an efficient manner. Highly recommend their services

August 6, 2024

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