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The HMO Mortgage Broker

Keystone

Keystone is a specialist lender with strong HMO mortgage products, offering flexible underwriting and competitive rates for property investors.

  • Up to 80% LTV
  • No minimum experience required
  • Flexible underwriting

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

  • Yes:HMO Mortgages
  • No:HMO Remortgages
  • No:HMO Bridging
  • No:HMO Development

Keystone HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • Yes:First-time landlordsNo minimum experience required. First-time landlords welcome.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredFlexible approach to credit assessment. Minor adverse credit considered.
  • Yes:Borrowers aged 21 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Keystone and their HMO mortgage services.

What are Keystone's HMO mortgage rates?

Keystone publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Keystone's borrower criteria?

Keystone accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 21 years, maximum age: 85 years.

Does Keystone accept intermediary applications?

Keystone accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Keystone offer?

Keystone offers Hmo Mortgages, First Time Landlord, Portfolio. Contact us to discuss your specific requirements and find the best solution for your property investment needs.