Keystone Property Finance is a specialist buy to let lender for intermediaries only. Keystone can lend to landlords borrowing both personally and through a variety of corporate structures.

They have established themselves as one of the go-to lenders for brokers who have complex landlord clients that are looking to finance standard buy to let properties. As well as those wanting to finance higher-yielding properties such as HMOs and multi-unit freeholds. 

HMOs up to 15-beds

Ex-local Authority properties

 Multi-units up to 15 flats

Students as tenants

Highrise flats

 Universal Credit Tenants

 Flats above commercial

 Minimum property value - £75K

 Studio flats – min 30sqm

 Multi-let (no HMO licence required)



 First-time landlords

 SPVs & trading limited companies

 Portfolio landlords


 No minimum income 

 Ex-pats – including retired, not available to self-employed

 No minimum employment history

 Tier 1 & 2 visa’s

 Gifted deposits & inter family sales accepted


Case Submissions

To place a case with Keystone, you will need to register online. This will give you access to their buy to let rates through the online portal, MyKeystone, where you will be able to upload, track and view conditions on your cases in real-time. 


Contact us

For help placing your complex buy to let cases contact their Business Development Managers by calling the broker hotline on 0345 148 9086 or emailing [email protected]

Proc Fees

Product Gross Net Gross Min Gross Max
All Products 0.80% 0.70%
Product Transfers 0.45% 0.40%


How to Register

Registering for the first time:

To register with Keystone, complete this form here and request Paradigm as your payment route.

Add Paradigm as payment route:

Re-submit their registration form and email to Keystone.