Keystone Property Finance has reduced rates by up to 20 basis points across parts of its product range, with the largest reductions applying to its expat mortgage line.
The specialist buy-to-let lender has lowered all expat mortgage rates by 20 basis points. Other product lines, excluding holiday lets, have been cut by 10 basis points. The move comes as the lender continues to refine both its pricing and its broker-facing processes.
“These rate reductions, alongside the recent launch of our AI-powered document upload and labelling technology, are designed to enable brokers to increase productivity and maximise lending for their landlord clients with ease,” said Elise Coole (pictured), managing director of Keystone Property Finance. “This month’s updates are the latest steps in our ongoing investment in both product innovation and broker support.”
The repricing follows the rollout of Keystone’s proprietary artificial intelligence software, which aims to speed up and simplify document processing through the lender’s broker portal. The upgrade is intended to make the application experience more efficient for intermediaries and their clients.
After the changes, Keystone’s current starting rates include:
Standard: 2-year fixed at 2.94% (70% LTV)
Specialist: 2-year fixed at 2.99% (70% LTV)
Refurb to Let: 5-year fixed at 4.69% (65% LTV)
Expat: 2-year fixed at 4.54% (65% LTV)
Holiday Let: 5-year fixed at 5.49% (65% LTV)
Product Transfer/PT Plus: 5-year fixed at 4.99% (65% LTV)
Switch & Fix: 5-year fixed at 5.69% (65% LTV)
The lender said these adjustments are part of its broader strategy to stay competitive in the specialist lending market while improving broker tools and product availability across diverse landlord profiles.
