Our Mission Statement
Complex – Compliance – Compassion
Please read our Terms of Business for a full description of what we do and how we work.
We are no ordinary mortgage brokers we are Specialist Property Finance Advisers.
Find out what makes The Keys Difference by clicking here.
We are independent mortgage advisers and offer a range of property financial services for residential and investment properties including:-
- Mortgages & 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
In essence, if it's property, we 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 commercial investment.
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.
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 type 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 are extremely successful at what we do. We don’t class ourselves as ‘volume brokers’ but we consistently top lenders performance charts especially for buy to let and commercial 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 and indeed the World. 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 with whom we are Strategic Partners (only 39 nationwide), Paragon with whom we are on their Premier Panel (only 9 nationwide) and on the direct panel for most commercial lenders and specialist lenders such as InterBay, Fleet, Kent Reliance, Cambridge & Counties, Lloyds, Barclays, Norwich & Peterborough, NatWest, Aldermore, Vida, The Mortgage Lender, Foundation, Lend Invest and Landbay to name but a few.