Keystone Property Finance Avis 135

I find the rates and their arrangement fee is high and the surveyors they use undervalue the property. Same property I bought 2 years ago through them has been valued 30k less now despite the rent has increased and property is in a pristine condition and now they are asking the difference to be paid and if not paid you are locked in their quite high variable rate . I think a more long term thinking company would like to keep the customers who have been paying mortgage installments without any break rather then having a shorter term mindset of maximising the profit but losing customers fast . I will look to change the provider as soon as I could.

Our broker provided full details of the property upfront — including photos and clear information that the commercial unit was a bar, with a kebab shop just two doors down. All of this was known before the application proceeded. Based on that, Keystone indicated they were happy to move forward with the remortgage.

We paid a £700 upfront fee in good faith.

However, after waiting around three weeks, their surveyor attended and flagged the exact same points that had already been disclosed from day one — the bar and nearby kebab shop. Shortly after, the application was declined without even providing a valuation.

To be clear, I have no issue with a lender declining a mortgage — that’s their right. The problem is taking money while already having all the information that would likely lead to a decline. This could (and should) have been identified at the outset, saving everyone time and cost.

This felt extremely unprofessional and, frankly, unfair. Taking upfront fees under these circumstances is not acceptable.

I would not recommend using them based on this experience.

From beginning to end the service has been amazing on every case, Mark Grogan an exceptional BDM, the customer service team, who are so polite and truly helpful when you call, the underwriting and case management team who support throughout the whole process. Even with tight deadlines, they will endeavour to achieve the clients requirements. At every stage, for such a large lender, every person involved goes above and beyond

Mark Grogan - Truly the best BDM in the industry!

Working with Keystone has always been a pleasure and over the years we have placed some fantastic cases that I do not believe other lenders on the market could have come close on rate or criteria.

Always a contactable, reliable and honest traits most BDM's have lost in recent years.

Pleasure dealing with Mark Grogan. Professional start to finish. Easy process with very happy client at the back end. Took a view to undertake a mortgage that a lot of other lenders would not help with

Thank you to Moises and the team at Keystone for an outstanding result for this work. Many other lender's overlooked the case and Moises ensured all was in place before submission, fantastic advice and support, thank you. The underwriter Louise Roderick- Smith was a champion and helped immensely with prompt replies and updates, without Keystone the clients would be on a very high bridge! Thanks again and look forward to the next one.

Great to work with Moises who is fantastic Bdm, Ellie, Jackie, Hazel & Amina and the team again who I cant fault. Thank you for all your hard work again and completing on another 5 cases yesterday.

I cannot recommend Mark Deboo at Keystones Property Finance highly enough. From start to finish, Mark went above and beyond to ensure our clients reached completion. Not only did he hold the clients’ hands throughout what was a very stressful process, but he also went the extra mile in dealing with extremely difficult solicitors, keeping everything moving when it could easily have stalled. His proactive approach, constant communication, and determination made all the difference. Without his support, I genuinely believe the deal would not have completed. An outstanding BDM who truly cares about both brokers and clients. A true asset to Keystones

Mark Hindmarsh went above and beyond so I cannot thank him enough. Special note to Megan who was also extremely helpful throughout the process.

I approached Mark Grogan with an extremely complex case that no other specialist lender would consider. A prompt acceptance was received and the application to offer was less than 2 weeks.

Mark was always on hand to provide any assistance required and a special mention to everyone working in the completions team at Keystone for going above and beyond to get this deal over the line.

I have used Keystone a few times now and always had good service. Very lucky to have a response BDM (Mark Hindmarsh) who ensured the cases progressed quickly. Highly recommend!

Our client was contacted directly by Keystone to advise that his existing fixed rate product was coming to an end but as they only deal with brokers the client came to us.
This was the first product transfer that we have placed but the Keystone team talked us through the whole process from start to finish and were always on hand to answer queries.
Great service all round and would recommend.

Underwriters easily contactable and were willing to assist and keep the deal going

I have the pleasure of recommending Keystone property finance for BTL mortgage transactions. When I had a 1-month delay in securing an amended mortgage due to changes from the solicitor and errors from my broker, Mark Deboo at Keystone stepped in and made sure all pending issues were resolved asap and the amended mortgage offers were out within a week, going as far as chasing the surveyors for the PVQs. I must say Mark Deboo is a huge asset to the Keystone team. Absolutely switched-on, brilliant individual!!!

There are many good points to Keystone. Broad criteria and can do many cases other lenders will not, very good BDM in Mark Grogan - but when it comes to processing and updates - this needs to be massively improved. Often confusing updates, which required many calls in for confirmation or clarity - or it just wasn't clear what was outstanding and caused delays. I also had two cases with the same client - but they weren't linked and requests overlapped.

Great service! Simon was very helpful.

Yet another case introduced by me to Keystone has just completed. There are numerous Lenders offering products in the Residential Investment Market but the reason I so often return to and recommend Keystone is that they are prepared to 'think outside the box' rather than just being 'box tickers'. They are easy to communicate with at all stages of an application and are always prepared to listen. If there is a hiccup on the journey to completion, Simon Jones (the Senior Business Manager for the South East Region) is quick to help and he is very happy to talk through an application before I start the time consuming task of uploading it; what more could a Broker ask for? Their products are competitive but, most importantly for me and my Clients, they get the Deal done.

Huge thank you to the Keystone Team!

We had 3 applications underway back in September for purchases of 3 flats in the same block. After a change of circumstances caused everything to be re-jigged, we had a real struggle getting things over the line but if it wasn't for the team involved we wouldn't have gotten our completion today.

Huge thank you specifically to Kevin Meredith, Morgan Barnes and Mark Deboo for their assistance throughout - a genuine credit to the Keystone team!

Thank you Keystone.

Great service from the sales team through to the completions team!
Another tricky case, completed in record time with equity used as the gifted deposit!

If you say yes to a Mortgage application you stand by your initial decision which gives me and ultimately my clients peace of mind!

Good customer service from Keystone when doing this product transfer, but a fairly convoluted process compared to other lenders. Could be made much more streamlined like other lenders.