We are independent mortgage advisers and offer a range of property financial services for residential and investment properties and have assisted borrowers in all sorts of circumstances.
Our services include:
- Mortgages & Remortgages
- Buy to Let
- Let to Buy
- HMO and Multi Unit finance
- Bridging finance
- Portfolio landlords
- Limited companies and LLPs
- Complex, unusual or difficult circumstances
- And much more
In essence, if it’s property, we can help finance it!
We aim to provide a holistic service which means we can cater for all your property finance needs whether that be a home for you, a buy to let mortgage or funding for a multi-million-pound portfolio.
We specialise in finance for buy to let and in particular HMOs and our we are a highly regarded authority on the subject with press, lenders and investors regularly seeking our opinion on the topic. We have also assisted a number of lenders with their HMO valuation methodology.
Unlike many mortgage brokers we are delighted to work with portfolio landlords and company structures. Recent regulatory changes, followed by lender changes, mean many brokers have either stopped working for these types of clients or are out of their depth with lender and regulatory requirements. We have always operated in this sphere and will continue to do so.
We also don’t charge extra if you happen to be obtaining finance for HMOs, multi units, a Limited Company or if you’re a portfolio landlord. In fact we reduce our fees the more mortgages we arrange for you.
Specialist Property Finance Advisers
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 are 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!
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 are extremely successful at what we do and consistently top lenders performance charts especially for buy to let business. Despite this we offer an extremely personal service that we are very proud of.
We are based in Burbage however our clients are all over the UK. We mostly operate remotely via email, phone, fax, post and via bank level security services in The Cloud.
We run a paperless business and our customers (and the environment!) love it. You have no need to meet us or visit our offices and you can get on with your life and business while we handle everything for you. We pride ourselves on an extremely efficient but very personal service.
Our level of business, and more importantly level of quality business, does not go unnoticed with lenders. We are regularly invited on to lenders panels normally restricted to the largest brokerages or packagers and often asked to consult with heads of lending and underwriting on lending and valuation policy, new products and for our opinions.
“Thank you again to Cheryl at Keys Mortgages. I can't believe you have arranged another two mortgages for me free of charge! Unbelievably kind and all done with speed, humour and professionalism. You are a joy to work with.”
“I would recommend Keys Mortgages to anybody. I called them before Christmas after a bad experience with my previous advisor. Amy came to the rescue and was able to provide options for what felt like an impossible situation within a couple of days. There were some challenges but Amy did not give up, she was able to understand my needs very quickly and find the best deal for me ensuring I was able to secure my home. I cannot thank Amy, and Keys Mortgages enough; she was responsive, informative and delivered the result we needed very swiftly. When you work with Keys Mortgages you can rest assured that you’re in good hands as they take the stress away from the process and provide you with a swift and quality service. Looking forward to working with them again in the future.”
“I can't speak highly enough of the team at Keys. They have carried out numerous mortgages & re-mortgages for me, both for my BTL rental business and personally. Most recently completing a residential mortgage for me from start to full offer within 2 weeks, during the pandemic too! Estate agents said it couldn't be done in under 2 months... Always great advice in selecting the right product and worth every penny to have Keys arrange our financing.”
“You cannot get a more knowledgeable team. I have a large portfolio and they have done tens of mortgages for me over years. They are honest and upfront so you know you're not wasting your time on a project, but if something is mortgageable they will get it and it'll the best one for the project. Can't fault them in any way whatsoever.”
“Keys have been extremely helpful and I would absolutely recommend them to anyone - Cheryl has been wonderful to deal with and very patient with me! 5 stars for sure!”
“Wow, what a broker! In the depths of Covid 19 Lockdown, when my usual broker had hit a brick wall, Keys Mortgages embraced the challenge and came to the rescue. With their tenacious approach, knowledge of the market and outstanding relationships they managed to find us very attractive deal on a challenging HMO refinance. Thank you so much to Cheryl working her magic - the first of many I hope!”
“Following some online research i was pointed in the direction of Keys Mortgages and i can see why, from the outset Amy was superb, making sure she found the best product to suit our needs and explaining all the options, she kept us informed right through the whole process, I would highly recommend the team at Key Mortgages and will contact Amy without hesitation for any future mortgage requirements.”
“I would highly recommend Keys Mortgages - honest, friendly, efficient and effective in getting the right mortgage product for us - exactly what we wanted in a mortgage broker.”
“Great team. Very helpful. Helped me through a tough mortgage application. Hats off to Amy who was a star. Wholeheartedly recommended.”
“Amy is excellent, she found the best product for my situation and kept me informed throughout the whole process. I would definitely recommend her and the whole team at Keys.”
“Amy at Keys has been simply superb on every mortgage she has sourced for our company so far, there’s no sitting on hands it’s just action and efficiency all the way. An essential support partner to have and I’d highly recommend their service! Looking forward to a long relationship with them.”
“I have used various brokers over the years, but Key Mortgages are another level. They are very knowledgeable, efficient and easy to work with/talk to. I would recommend them for virtually any type of mortgage/loan and also if you're a portfolio landlord, for a review of your portfolio. My review, which I am about to act on, is likely to save me thousands in payments, whist raising more capital.”
“I recommend Keys Mortgages For anyone who is looking for real INDIPENDENT PROFESIONAL. All Keys Mortgages team are brilliant. Amy helped me with my house purchase and now helping with remortgage. I recommended Amy to all my family members and friends. She always answers to emails straight away, giving very good advise, She is friendly and you can trust that Amy will find you best mortgage deal what is available in a market. If you're looking for top level professional for a competitive price I recommend Keys Mortgages”
“Keys Mortgages delivers a great professional service. They have a sound knowledge of the mortgage market and Cheryl in particular, has always been fantastic to work with - patient, transparent and diligent. She has arranged numerous mortgages and re-mortgages for us and always delivers the best available products. Thank you for all your help over the years. ”