Keystone Property Finance is a specialist BTL lender which can lend to landlords borrowing both personally and through a variety of corporate structures including SPVs, LLPs and trading limited companies. It has already established itself as the go-to lender for landlords with complex borrowing requirements and for those looking to finance higher-yielding properties such as HMOs and multi-unit freeholds.


Caring Customer Service

Keystone is particularly good at helping brokers who are struggling to find a home for complex buy to let deals. Our business development managers are well known for going the extra mile and because they have direct access to the underwriting team they can often negotiate to get seemingly unworkable cases placed successfully. Regularly out on the road, the BDMs take the time to get to know brokers in their patch face to face, over the phone and via email. So if you’d like to get a better understanding of our products and services why not arrange a meeting?


Prompt Proc Fee Payers!

If you would like to place a case, please make sure you register with us first. Download and complete the Broker Registration form and Intermediary Agreement form.

Once complete please return both forms to us via email or post.

By email:

By post: Keystone Property Finance, 42 Kings Hill Avenue, Kings Hill, 
                West Malling, Kent, ME19 4AJ

Remember, we are fast payers! As soon as we’ve been paid for a completed case, you’ll get paid. We make payment runs twice a week, so you’ll never be kept waiting and we’ll make sure that each payment is properly referenced to help keep your recordkeeping in order.


Submit Classic Range Cases Online

Once registered you will receive an email providing login details to our submission system.

MyKeystone allows brokers to submit and track all cases online. It’s quick and easy to use, and is designed to streamline the application process. Brokers can also use MyKeystone to get instant AIP decisions. To get your login details call the Broker Hotline on 0345 148 9086.

Keystone Property Finance has two buy to let product ranges, a standard range and a specialist range for HMOs and multi-unit property.


Lending Criteria Overview 

  • Individuals, SPV’s & trading limited companies
  • LLP’s
  • Ex-pats - tier 1 and tier 2 visa holders
  • First-time landlords
  • Portfolio landlords – up to £2m in aggregate
  • No minimum income
  • No minimum employment term
  • Remortgages within 6 months of ownership
  • HMO’s to 8 beds
  • Multi-units up to 10 flats
  • New build properties
  • Ex-LA properties
  • Flats above commercial premises
  • Student tenants acceptable
  • Gifted deposits
  • Minimum property value - £75,000
  • Minimum loan amount - £50,000
  • Maximum loan amount - £1,000,000

Rates start from 2.99%

See full product range here.


Proc Fees

Product: Classic Range
Gross: 0.80%
Net: 0.70%
Product: Solutions Range
Gross: 1.05%
Net: 1.00%