WE ARE FAR MORE THAN MORTGAGE BROKERS
Financial Times Top 25 Financial Adviser
Do you have a COMPLEX FINANCING situation that needs unlocking?
Great; that’s what we enjoy most and what we do best.
We are more than happy with ordinary too!
- Mortgages and remortgages
- Bridging finance
- Buy to Let
- HMO finance
- Portfolio landlords
- Limited companies and LLPs
- Complex incomes
- First time buyer, first time landlord
- Ex-pats and foreign nationals
- Commercial finance
- Second charge loans
- Portfolio restructuring
- Let to Buy
- Development finance
- Later Life Lending
- Complex, unusual or difficult circumstances
- Adverse credit
- Equity release for tax bills
- Equity release for business purposes
- And more
We are Keys Mortgages. We specialise in all types of property finance; residential, buy to let and HMO finance, bridging, development, commercial and we LOVE complex and unusual cases!
Our Managing Director, Lisa, has got over 18 years’ experience in the property industry as a property developer and investor with a large portfolio of properties in the Midlands so there is rarely a property scenario we haven’t come across.
You don’t have to live down the road! We are based in Coventry, but you don’t have to live here too. We have developed systems and procedures that enable us to work for you wherever in the World you happen to be.
To read more about The Keys Difference and what we can do for you click here.
We are all about...
Out-of-the-box thinking is what we do. We look at situations from fresh angles, and as a result we are able to find new, imaginative ways to tackle the same problem.
Through a combination of lateral thinking and intricate knowledge of lenders’ criteria, we place business that other brokers would think impossible and we don’t waste your time and fees by applying for mortgages that are never going to get to completion.
We take our role as an intermediary between lender and client extremely seriously. We have brilliant relationships and a superb reputation with lenders: they know that we will fight our clients’ cases all the way, but never outside the letter or spirit of their rules.
By having thorough, detailed knowledge about which lenders allow what, we are able to remain compliant while still helping you achieve your goals. This ensures that you know your mortgage is always the right one for your situation.
We not just mortgage processors: we work closely and exclusively with our clients, and we like to create long-lasting relationships with them.
Buying a property is the biggest purchase of your life, and it can be a very stressful time. Our aim is to reduce that stress as much as we can. And don’t worry if your personal or financial circumstances are embarrassing, difficult, unusual or unconventional: there’s nothing we haven’t come across before!
News & Updates
In summary we:-
• Raised £70k for the home improvements at a much lower cost than anticipated.
• The offset facility on the residential mortgage created further benefits and savings.
• £1783 INCREASE in monthly rental cashflow.
• £1278 NET INCREASE in monthly cashflow AFTER increased resi mortgage payment.
• Left with an unencumbered property worth £825,000.
The client commented:-
“Just thought I would drop you a note to let you know that the last mortgage has now completed so I am all sorted. I am really pleased with the outcome. The increased cash flow gives me the funding I need to reinvest. The advice you provided really was excellent and it was a pleasure dealing with you and Cheryl. I had been intending to restructure my mortgages for some time but couldn’t face the endless research and hassle. So it was great to have prompt feedback with sound advice and follow through. Your understanding of my requirements as a commercial and residential landlord, enhanced by your wealth of knowledge of suitable products made it a really pleasurable experience. Please feel free to share my feedback as I would absolutely recommend your services to anyone looking for sound financial advice. It’s been a rewarding experience. Many thanks for all you help.”