In This Article
About Keystone Property Finance
Keystone Property Finance is a specialist buy to let lender, offering a range of funding solutions for cases that do not fit the criteria of the mainstream banks and buy to let lenders.
Their vision is to provide finance to landlords across a wide range of residential investment properties, by offering high-quality products and services to meet the needs of each client.
Their mission is to simplify complex buy to let mortgages.
They offer financing for standard buy-to-let properties, as well as higher-yielding properties such as HMOs and multi-unit freeholds.
Keystone Property Finance only offer their mortgages to intermediaries only. Therefore, you will not be able to access their products directly and would need to use a mortgage advisor to obtain one of their mortgages.
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What do Keystone specialise in?
Keystone provide financing for a variety of complex buy to let mortgage cases, including higher-yielding properties such as HMOs and multi-unit freeholds, as well as multi-layered company structures.
Keystone can also lend to landlords borrowing both personally and through corporate structures including SPVs, LLPs, and trading limited companies.
Some of the scenarios they may be able to help with include:
- First time landlord buy to let mortgages
- Portfolio landlord mortgages
- Special purpose vehicle companies (SPVs), trading limited companies & LLPs
- Ex-pat buy to let mortgages
- Buy to let mortgages for those on tier 1 & 2 visa’s
- HMO mortgages
- Multi-Unit mortgages
- Students let mortgages
- Mortgages with complex tenancy arrangements
Are Keystone rates competitive?
Keystone try to be competitive on scenarios that do not fit the criteria of the mainstream banks and buy to let lenders.
When deciding if a rate is competitive there are many factors that need to be considered such as, initial rate, revert rate, fees charged, flexibility of overpayments, portability should you move house and the lenders service.
Keystone only offer its products via mortgage intermediaries. Therefore, if you are considering a mortgage with them you should speak to a mortgage advisor who can help you compare all your options and ensure that they are most suitable.
Can I transfer my rate to a new deal with Keystone Property Finance?
If you are already a customer of Keystone property finance you may be eligible to switch your current deal. You will need to speak to a mortgage advisor to do this as Keystone are an intermediary only lender, which means you are able to deal direct.
You should always investigate if you can remortgage to a more competitive rate with another lender before automatically switching a rate with your current lender.
An independent mortgage advisor can advise you on all rates available in the market and find the best option for your situation, this may not be staying with your Keystone.
How quickly can I get a mortgage offer with Keystone?
The time it takes to get a mortgage offer with Keystone can vary depending on the case. The case may be more complicated, for example, due to bad credit, a non-standard property type, or complex self-employed income. However, on average, time from application to offer with Keystone is around four weeks.
Keystone Property Finance have declined me a mortgage, what do I do now?
If you’ve been declined a mortgage from Keystone, you should investigate why this was by speaking to your mortgage advisor that submitted the application to Keystone. The reason may be due to your situation, the property type, your credit score or adverse credit.
If you would like to look into your credit profile you can utilise Equifax, Experian or Check My File, which has a free trial and is the most detailed credit report.
A new mortgage advisor may be able to help you find another lender more suitable that is willing to give you a mortgage regardless of your financial situation.
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Conclusion
Keystone Property Finance is a specialist buy to let lender that offers a range of mortgage solutions for cases that do not fit the criteria of mainstream banks and buy to let lenders.
They provide financing for standard buy to let properties, as well as higher yielding properties such as HMOs and multi-units.
Keystone Property Finance only offer their mortgages to intermediaries and cannot be accessed directly.
They try to be competitive on scenarios that do not fit the criteria of mainstream banks and buy to let lenders.
The time it takes to get a mortgage offer with Keystone can vary depending on the case, but on average, time from application to offer is around four weeks.
If you’ve been declined a mortgage from Keystone, you should investigate why this was by speaking to your mortgage advisor that submitted the application to Keystone.
A new mortgage advisor may be able to help you find another lender more suitable that is willing to give you a mortgage regardless of your financial situation.
If you would like to speak to a mortgage advisor, please complete the form below, and I NEED ADVICE will find you a mortgage advisor who can review the whole market and recommend the right mortgage for you.
They are experienced, which can boost your chances of being approved.
