Keystone Property Finance

Keystone Property Finance: Specialist Buy-to-Let Solutions

Keystone Property Finance is a specialist lender in the UK focused on providing tailored buy-to-let mortgage solutions for both individual landlords and professional property investors.

Keystone offers a variety of mortgage products designed to accommodate complex borrower profiles, including limited companies, portfolio landlords, and those with more unique financial situations.

At Kerr & Watson, we partner with Keystone Property Finance to ensure that our clients have access to the most suitable mortgage products for their property investment needs.

Why do people consider Keystone Property Finance?

Specialist Buy-to-Let Expertise

Keystone Property Finance is well-known for its expertise in the buy-to-let market, offering products that support landlords with diverse property portfolios, including limited company buy-to-let options and solutions for Houses in Multiple Occupation (HMOs).

Flexible Lending Criteria

Keystone understands that not every borrower fits the mainstream lending profile, which is why they provide flexible lending criteria. This includes higher Loan-to-Value (LTV) options, mortgages for self-employed landlords, and those with complex income streams.

Competitive Rates for Landlords

Keystone Property Finance offers a wide range of competitive products designed to suit different landlord needs, whether you’re looking to expand your portfolio, refinance, or make your first buy-to-let investment.

Switching Your Rate with Keystone Property Finance

If your current mortgage product with Keystone is coming to an end, you may want to explore their rate switch options. Keystone provides a smooth process for switching your rate, allowing you to avoid additional fees or complications, while Kerr & Watson ensures that you secure the best available product based on your financial situation and goals.

Product Highlights

Limited Company Buy-to-Let Mortgages

Specially designed for landlords who operate through limited companies, offering tax-efficient solutions.

Portfolio Landlord Mortgages

Ideal for investors managing multiple properties, with simplified underwriting and tailored solutions for larger portfolios.

HMO Mortgages

Keystone also offers products specifically for landlords managing Houses in Multiple Occupation, providing flexible and competitive rates.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, especially if you have a portfolio of properties or are looking for non-standard lending solutions. At Kerr & Watson, we simplify the process by providing expert advice and direct access to Keystone’s products, ensuring that you make informed decisions every step of the way.

Get in Touch

If you’re a landlord seeking flexible buy-to-let mortgage solutions, Keystone Property Finance might be the right lender for you.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your investment.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.