Office address: 42 Kings Hill Avenue, West Malling, Kent ME19 4AJ
Website: www.keystonepropertyfinance.co.uk
Year established: 2007
Company type: financial services
Employees: 90+
Expertise: buy to let mortgages, standard range mortgages, specialist range mortgages, green mortgages, fixed and variable rate mortgages, HMOs, multi-unit buildings
Parent company: The Property Business Group
Key people: David Whittaker (CEO), Elise Coole (MD), Phil Riches (sales director), Penelope Macias (marketing director), Morgan Barnes (head of case management), Mike Freeman (lending director), Caroline Magee (operations director)
Financing status: N/A
Keystone Property Finance is a specialist buy-to-let mortgage lender from West Malling, offering a range of solutions to help brokers and landlords. The company covers everything from standard BTL properties to high-yield specialist investments like multi-unit buildings and HMOs. With over 17 years of service, it has grown to employ over 90 members, operating all over England and Wales.
Keystone Property Finance was founded in 2007 to cater to the niche market of BTL mortgages and has grown significantly over the years. In 2012, they launched their classic range of BTL mortgages, which set the foundation for their product offerings. By 2015, the company had introduced its solutions range, expanding its reach to a broader array of customers.
In 2017, Keystone Property Finance transitioned to a new funding line with Paratus AMC, enhancing their financial stability. The year 2019 marked the launch of their Keystone Standard Range, and in 2021, Keystone celebrated as it reached over £1 billion in mortgage completions. Recently, in 2023, they launched an enhanced product range, solidifying their position as a market leader.
Keystone Property Finance provides its clients with a range of solutions that are tailored to meet their diverse needs. Key offerings include:
Keystone Property Finance's mission is to offer buy-to-let mortgages for professional landlords through intermediaries. Their vision is to build an extraordinary, transparent team committed to shared values. In its business, their values towards their operations include:
Keystone Property Finance is committed to delivering top solutions and financing options for residential investment properties through the best offerings. The company provides its employees with new learning opportunities and teams that are collaborative and supportive. It also takes care of its staff through several benefits, such as:
David Whittaker serves as the CEO of Keystone Property Finance. Whittaker previously served as managing director at Mortgages for Business, commercial manager at John Charcol, and Captain in the Royal Engineers. He holds a B.Eng in civil engineering from The University of Sheffield.
Supporting Whittaker are key individuals who play significant roles in the company's operations:
In May 2014, Keystone Property Finance recently completed its largest securitisation to date, totalling £560 million in BTL loans. With strong investor demand and attractive pricing, this securitisation underscores Keystone's strong underwriting criteria and market confidence. By increasing their lending capacity, Keystone can offer more competitive products and better serve their broker partners and clients.
They are also enhancing their technological capabilities, with initiatives such as the MyKeystone Pay by Link system, which simplifies payment processes for customers. By improving payment handling, the company strengthens its operational efficiency and service quality. This will also promote better relationships with brokers and clients, which aids in future growth and competitiveness.
Recent bank rate cut and swap rate dip have enabled lenders to reprice
The mortgage industry has reacted to the first cut since early 2020
The major lender didn’t waste any time in making a change
They made the announcements ahead of the BoE cut – and their predictions were right
One launches a limited edition range, the other reduces rates on its homebuying bundle
She brings over 10 years of experience in BTL
The portfolio includes nearly 2,000 accounts valued at £296 million
It contains £560 million-worth of BTL business
New PT Plus range will match the rates of its existing PT offerings
New rates start at 4.34%