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.
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 Managing Director, Lisa, is a highly regarded authority on the subject with press, lenders and investors regularly seeking her opinion on the topic. Lisa has 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.
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 Coventry in the Midlands 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.
Keys work hard and are delighted to have DIRECT relationships with lenders including Shawbrook, Paragon, InterBay, Fleet, Kent Reliance, Cambridge & Counties, Lloyds, Barclays, Norwich & Peterborough and NatWest Commercial, Aldermore, Vida, Octopus, West One, Foundation, Lend Invest and Landbay to name but a few.
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