Keystone Property Finance is a specialist buy to let lender who help brokers find solutions for an array of different client and property scenarios.

They lend to landlord clients who are looking to borrow both personally and through a variety of corporate structures. Keystone can also finance standard buy to lets and higher-yielding properties such as HMOs and Multi-Unit freeholds.

HMOs up to 15 occupants

Ex-local Authority properties

 Multi-units up to 15 units

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)



 Up to £2m per single property 

 Up to 80% LTV 

 SPVs, trading limited companies & LLPs 

 No minimum employment history 

 First-time landlords for standard properties 

 Foreign Nationals residing in the UK  

 No minimum income for existing landlords 

 Portfolio lending up to £10m 

 Gifted deposits & inter family sales accepted

View the full lending criteria here

Keystone Property Finance are particularly good at helping brokers who are struggling to place complex buy to let cases. With their flexible underwriting and experienced team of Business Development Managers Keystone can help you find the best solution for your client.
For help placing your buy to let cases contact the BDM team on the broker hotline 0345 148 9086 or email [email protected].


Proc Fees

Product Gross Net
All Products 0.80% 0.70%
Product Transfers 0.45% 0.40%
Product Transfer Plus 0.55% 0.53%


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.