Who are Keystone?

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.

Keystone’s business managers and underwriting team have many years’ experience and knowledge of the BTL mortgage industry. This is combined with a brand new cloud based AIP and application system that will enable brokers to transact cases quickly and efficiently.


Prompt Proc Fee Payers!

If you would like to place a case you will need to register with Keystone first, you can do this via their online MyKeystone registration portal or manually by downloading and returning the Broker Registration form and Intermediary Agreement form.

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

By email: enquiry@keystonepropertyfinance.co.uk

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.


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 - https://www.keystonepropertyfinance.co.uk/products/


Proc Fees

Product: All Products
Gross: 0.80%
Net: 0.70%