Nationwide Coverage
Specialist Mortgage Advice for Landlords & Property Investors
We simplify property finance by empowering landlords and investors to navigate complexities, optimise returns, and achieve long-term financial success.
Fill out our enquiry form and we’ll contact you to book a free call with one of our mortgage advisers.
We provide expert advice, based on over 20 years combined experience
Tailored mortgage solutions for landlords, investors and complex property transactions
The Original Keys Mortgages
Established in 2009 by Lisa Williams née Orme, we are the original property finance specialist for landlords. In a world where mortgage brokers come and go, we’re proud to have been providing property finance expertise for over 20 combined years.
Portfolio Landlords
Looking to expand your property portfolio or remortgage your existing buy-to-let properties? We provide tailored mortgage solutions for experienced landlords looking to grow and manage successful portfolios with confidence.
Limited Company Buy-to-Let
Looking to invest in property through a limited company? Our specialist advisers provide tailored buy-to-let mortgage solutions designed to help landlords grow and manage portfolios with confidence and long-term flexibility.
Bridging Finance
Need fast, flexible finance for a property purchase, renovation or investment opportunity? Our specialist advisers can help arrange bridging finance solutions suited to short-term projects and time-sensitive transactions.
Commercial / Semi-Commercial
Looking to purchase, refinance or expand your business premises? Our specialist advisers provide tailored commercial mortgage solutions for business owners, investors and developers across a wide range of property types.
Specialist Property Finance Advisers
We are specialist property finance advisers with a wealth of experience, knowledge & expertise in all things property.
We pride ourselves on having great relationships with lenders & have access to decision makers at many of the specialist lenders due to our reputation.
We specialise in:
- HMO Mortgages
- Buy to Let
- Auction Finance
- Portfolio Landlords
- Serviced Accommodation
- Semi-Commercial
- Limited Company
- Bridging Loans
- Holiday Lets
- Commercial Mortgages
Mortgage Calculator
Ready to start looking at the numbers? Use our mortgage calculator as a guide to get you started.
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Guides
Our range of mortgage guides are constantly created and updated to help you understand clearly.
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Insights
We believe in the importance of staying up to date on market intel to provide you with the best advice possible.
Case Studies
We’re proud to have gained 15 years worth of stellar testimonials from amazing people that we work with.
Read Case Studies
The Keys Rate Watch Guarantee
We know that the mortgage market can move quickly, so it can be frustrating to see your lender release a better deal than your current one.
The Keys Mortgages Rate Watch Guarantee is designed to give you peace of mind, knowing you always have the best deal and protect you against missing opportunities of lower rates.
We guarantee to keep watch on your chosen lender’s rates and if a better deal becomes available, we’ll let you know and ask the lender to change product without having to start over (lender restrictions may apply). This is free and included as part of our service.
How can Keys Mortgages help you?
What makes us Specialist Property Finance Advisers
Keys Mortgage Guarantee
Secure a mortgage deal today and we'll keep watch on your lender's rates. If a better, suitable deal becomes available, we'll let you know and help you switch.
We're rated 5 stars
We have amassed many positive reviews on Google and glowing testimonials from our clients over the years which we are very proud of.
We're industry experts
We have excellent relationships with all of our banks and lenders. We're often asked for our opinions on the property market and current mortgage products.
Trusted By The Best In The Industry
“I’ve had the privilege of working closely with Cheryl Williams and Amy Zakary over an extensive period, both in my professional role at Precise Mortgages as Sales Director and as a landlord with 32-years experience. In the realms of buy-to-let mortgages locating a broker with genuine specialisation is no small feat.
My confidence in Keys Mortgages is unswerving. Drawing from my experience conducting training at Precise Mortgages, I can vouch for Cheryl and Amy’s exceptional knowledge. Their commitment to delivering a quality service, fused with unwavering expertise, forms the bedrock of their five-star service proposition.”
Keys Mortgages FAQs
Find The Answers To Your Questions
What is a mortgage and how does it work?
A mortgage is a loan used to purchase a home. The property you’re buying serves as security for the loan. You make regular payments, which include both principal (the loan amount) and interest, over a specified period. As you make payments, you gradually own more of the property.
What types of mortgages are available?
There are various mortgage types, including fixed-rate mortgages (interest remains constant), variable-rate mortgages (interest fluctuates), tracker mortgages (linked to the Bank of England base rate), and more. Your mortgage broker can help you find the right option based on your financial situation and preferences.
How much can I borrow for a mortgage?
The amount you can borrow depends on factors like your income, credit history, expenses, and the lender’s criteria. Lenders typically use a multiple of your income or affordability calculations to determine the maximum loan amount.
What's the difference between a mortgage agreement in principle and a formal mortgage offer?
An agreement in principle (AIP) is a preliminary indication from a lender that you’re eligible for a mortgage up to a certain amount. It’s not a guarantee but can help you understand your budget. A formal mortgage offer is a commitment from the lender to provide the specified amount at agreed-upon terms after a thorough verification process.
What are the associated costs of getting a mortgage?
Aside from the property’s price, you’ll need to budget for additional costs like arrangement fees, valuation fees, legal fees, stamp duty (if applicable) and potentially broker fees. Your mortgage broker can provide a breakdown of these costs.
How can a mortgage broker assist me?
A mortgage broker acts as an intermediary between you and potential lenders. They analyse your financial situation, help you find suitable mortgage options, and guide you through the application process. Their expertise can save you time, ensure you’re aware of available options, and increase your chances of securing a favourable mortgage deal.
Speak to an adviser
Send us your enquiry today and one of our friendly advisers will call you back for a free consultation at a time that suits you. Hassle-free with no obligations.