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ABOUT US

REIM Capital is a specialist bridging lender to property investors across England & Wales.

What We Do

We offer a range of first & second charge bridging loans secured against real estate assets, residential, semi commercial & commercial types included. Each product is tailor-made to best fit our clients needs. We put a very strong focus on the speed of execution to allow our clients to seize their investment opportunities in a timely manner.

Our flexible bridging loan’s range between £250k & £15m. We are able to deliver an agreement in principle within 24 hours and credit backed terms in 48 hours. Our team is committed to making the lending journey as smooth as possible.

With a combined 75+ years of experience across property development, private banking, and credit, we are well placed to understand our clients’ bridging requirements.

Our Values

Client Orientated

At REIM we put a big importance on our client relationships and focus on delivering results. We are able to keep decision making in-house. You will be speaking directly with the decision makers.

Speed of Execution

We understand the precious value of time within the real estate industry. We aim to answer each fully executed application form within 48 hours and fund clients’ accounts within 10 working days. 

Fund Availability

We have multiple funding lines, including private funds and access to multiple debt funds. You can be assured there are no delays when the loan is drawn down.

Our Team

Kunal Vaitha

Principal

As an experienced private banker, Kunal was able to gain some unique experiences which included; raising capital from UHNW and institutional investors, investment advisory, leading sales strategies, and international client relationship management.

Combining his private banking and property expertise, Kunal put himself in a great position to co-found Reim Capital – an innovative and relationship-focused non-bank lender with a keen focus on reliability, speed, and flexibility. His knowledge and passion for UK property and lending have allowed him to help grow Reim Capital’s lending portfolio since launch.

Amar Khiroya

Principal

Having previously worked for a top London developer Amar is extremely familiar and knowledgeable in the real estate space, having spent several years learning the many disciplines of real estate development; planning, finance, construction, sales & acquisitions.

As a founding Director of the company, Amar is broadly responsible for formulating the company’s strategic growth plans and to oversee the growth of the Reim loan portfolio.

Outside of the office, Amar is a keen sports enthusiast and enjoys travelling.

Simon Juniper

Sales Director

A highly motivated results driven individual, Simon has been working in the financial industry for over 30 years. He has owned and managed his own 2nd Charge and Bridging Broker as well as Heading up the Sales Division for a Leading Development Finance Company. Having started his career at First National Bank back in the 90’s he quickly learned that he was skilled in managing people and in forging lasting relationships with Intermediaries and Clients.

He managed 2 different branches of the Bank, one in the North of England and one in the South winning the award of the Best Sales Branch 3 years running. Having left the bank he formed a secured loan brokerage which grew to over 40 staff, which eventually evolved into a Bridging Brokerage which again won the Best Bridging Broker award at the coveted B & C awards and the same award at the Business Money Facts awards. After selling the company he continued helping his clients until he went back into the world of Lending to help a funder with their distribution.

Having left there, he spent a couple of years trying to get his handicap down before he met with Kunal & Amar and was enticed back to the industry to help the guys continue their increasing success and help them increase their distribution. Still hungry for success and extremely well motivated he has a vision that will make Reim Capital one of the Industries go to lenders.

Loves Football, Golf and the Gym and is a qualified Spinning instructor who teaches classes at various gym. Happily married to his beautiful wife who is a qualified nutritionist he will bore you senseless about the right foods to eat , Chemicals in foods ,the secret to longevity plus Ice Baths and Cold Water therapy, how life has changed !

Jigar Patel

Senior Underwriter

Over 12 years of experience in real estate lending with a rich background of working with two of the top 5 Banks in the UK, Jigar brings a unique blend of industry expertise and a passion for financial solutions.

As an Underwriter, Jigar is responsible for analysing financial data, mitigating risks with diverse transactions, and liaising with clients and funding lines, while ensuring compliance with lending standards.

Jigar likes following new technologies trends, go for a run, and engage in high-stake sport of tennis in his spare time, weather permitting!

Nathan Lewis

Senior Underwriter

With over eight years of experience in the bridging finance sector, Nathan has a well-rounded background, having worked for both a brokerage and a lender. His diverse experience has equipped him with a comprehensive understanding of the industry, from both sides of the table.
During his tenure at West One, Nathan developed an in-depth knowledge of bridging loan products, market dynamics, and the intricacies of risk assessment, making him a valuable asset to the team.

As a Senior Underwriter, Nathan plays a critical role in assessing and managing complex bridging loan facilities. He meticulously reviews and structures cases, ensuring that they align with the client’s specific needs while strategically minimizing risk exposure.

Outside the office, Nathan is a passionate sports enthusiast. Whether he’s watching or trying his hand at a variety of sports—including football, hockey, and tennis—you’ll likely find him keeping active and engaged.

Caelan Gokani

Business Development Executive

Fresh from his studies, Caelan holds a BSc in Economics and Politics from Royal Holloway, University of London.

As a Business Development Executive, Caelan is responsible for bringing in new business, building relationships with brokers, and leading up the marketing department.

During his time at university, Caelan was the Curator for the TEDx Royal Holloway society and successfully managed a team of 25 students to host a TEDx event.

Anuj Sethi

Head of Loan Management & Operations

Anuj originally commenced his career in accountancy working on external audits for SME clients.
In 2008 he joined RBS, where he worked in various teams on the front line and in credit across different divisions.

He subsequently joined ICICI Bank UK as their Real Estate Credit Specialist in 2015. Since leaving ICICI Bank UK in 2019, he has been involved with start-ups and is now responsible for Loan Management for REIM Capital.

When he isn't managing the portfolio, Anuj’s main pastime is watching football in particular his favourite team of Manchester United.

Lisa Klychkova

Underwriting Assistant

Lisa Klychkova brings a strong background in real estate and investor relations. With a keen eye for detail and a client-focused approach, she supports the underwriting team by assisting in the review and assessment of bridging loan applications, managing documentation, and conducting preliminary analyses.

She works closely with brokers, clients, and stakeholders to ensure efficient loan processing while maintaining compliance with regulatory requirements. Lisa also plays a vital role in preparing loan cases and performing essential checks, including Land Registry, AML, and KYC.

In her spare time, Lisa enjoys hiking, playing tennis, and practicing meditation, as well as exploring different cultures and attending art events.

Benjamin Cottey-Hill

Portfolio and Funding Analyst

Ben is a graduate of Sussex University, where he attained his MSc in Mechanical Engineering with a focus on ground-breaking research in fluid dynamics for renewable wave energy.
Drawing from his professional experience at Clifford Chance law firm, Ben brings a wealth of expertise in data analysis to his new role at Reim. His role encompasses data analysis, portfolio management, and loan management whilst also streamlining processes through automation.

In his thesis, Ben innovated a new way to modelling fluid dynamics, showcasing his innovative mindset and analytical prowess.

Anish Khiroya

Property Consultant

Having graduated from the University of Warwick. Anish started his real estate career at one of the UK’s top commercial auction houses’. Anish then went on to work with a boutique London residential developer where he spent 7 years acquiring key skills in real estate planning and development.

Anish will help both with both underwriting and business development teams to ensure smooth delivery of loans.

Away from the office, Anish is a sports enthusiast so will find him either on the golf course or the cricket pitch in the summer months.