Keystone Property Finance

Office address: 42 Kings Hill Avenue, West Malling, Kent ME19 4AJ 
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. 

History of Keystone Property Finance  

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. 

Products and Services of Keystone Property Finance 

Keystone Property Finance provides its clients with a range of solutions that are tailored to meet their diverse needs. Key offerings include: 

  • standard range mortgages: flexible mortgages for landlords with various needs, including options for HMOs, multi-units, and standard BTL properties 
  • specialist range mortgages: tailored for more complex scenarios, including lending to limited companies and for properties with non-standard constructions 
  • green mortgages: incentivises eco-friendly property investments with competitive rates for energy-efficient properties 
  • fixed and variable rate mortgages: offers both stability with fixed rates and flexibility with variable rate options 

Culture at Keystone Property Finance 

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: 

  • excellence: continuous improvement and commitment to shared values 
  • adaptability: embracing and thriving on change 
  • resilience: demonstrated through determination and perseverance  
  • integrity: consistently doing the right thing 

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: 

  • AXA private healthcare with no excess 
  • 4% pension contributions 
  • 25 days holiday plus bank holidays 
  • death in service benefit 
  • social events 
  • monthly dress down Fridays 
  • supported training and CPD 
  • free parking 
  • Christmas and summer team events 
  • annual salary review 

About Keystone Property Finance CEO David Whittaker and Key People 

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: 

  • Elise Coole, as managing director, oversees daily operations and strategic initiatives 
  • Phil Riches, sales director, leads the sales team and manages client relationships 
  • Penelope Macias, as marketing director, heads marketing strategies and brand development 
  • Morgan Barnes, serving as head of case management, ensures efficient processing and management of mortgage cases 
  • Mike Freeman, a lending director, manages lending policies and credit risk 
  • Caroline Magee, as operations director, coordinates operational functions to support business growth 

The Future at Keystone Property Finance 

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. 

Keystone recruits new BDM for the Midlands

She brings over 10 years of experience in BTL

Keystone completes portfolio migration to Phoebus platform

The portfolio includes nearly 2,000 accounts valued at £296 million

Keystone Property Finance secures largest securitisation

It contains £560 million-worth of BTL business

Keystone allows further advances for product transfers

New PT Plus range will match the rates of its existing PT offerings

Keystone improves broker portal for easier case submissions

Lender implements two significant changes to its cloud-based platform

Keystone brings rates down by up to 65bps

BTL lender also updates arrangement fee offering

Keystone lowers rates across ranges

Rates are reduced by up to 20bps

Keystone makes mortgage rate cuts

Lender reduces rates by up to 0.20%