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Keystone Property Finance Cuts Rates Across Multiple Product Ranges

Keystone Property Finance has announced significant rate reductions across a wide selection of its mortgage products, with cuts of up to 15 basis points (bps). These adjustments aim to enhance the competitiveness of its offerings for property investors. The rate reductions apply to several key ranges, including Standard, Specialist, Cashback, Ex-pat, and Holiday Let products. …

Keystone Property Finance Cuts Rates Across Multiple Product Ranges - HMO mortgage guide illustration
Sarah Johnson - HMO Mortgage Expert
Sarah JohnsonExpert qualification: CeMAP Qualified
Published: 22 Jun 2025Read time: 3 minUpdated: 23 Mar 2026

Keystone Property Finance has announced significant rate reductions across a wide selection of its mortgage products, with cuts of up to 15 basis points (bps). These adjustments aim to enhance the competitiveness of its offerings for property investors.

The rate reductions apply to several key ranges, including Standard, Specialist, Cashback, Ex-pat, and Holiday Let products. Additionally, Keystone has lowered rates by up to 10 bps on its Product Transfer, PT Plus, and Switch & Fix ranges, providing better terms for existing customers and those looking to switch products.

Key Benefits

Following this repricing, the starting rates for these product lines are now as follows:

  • Standard: 3.24% at 70% LTV
  • Specialist: 3.29% at 70% LTV
  • Cashback: 4.59% at 65% LTV
  • Ex-pat: 4.74% at 65% LTV
  • Holiday Let: 4.89% at 65% LTV
  • Product Transfer/PT Plus: 4.89% at 65% LTV
  • Switch & Fix: 6.19% at 65% LTV

These rate cuts reflect Keystone Property Finance's ongoing commitment to supporting its clients with competitive and varied mortgage solutions in the buy-to-let market. Sources

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