Landlords can choose from two- and five-year fixed rates available for both purchase and remortgage cases up to a maximum loan size of £2m.
Lending covers the entire property and affordability is assessed solely on the residential rental income.
Keystone’s semi-commercial products are available across standard units, houses in multiple occupation (HMO), multi-unit freehold blocks (MUFBs), and holiday lets.
Lending is open to limited companies, trading limited companies, special purpose vehicles, limited liability partnerships, and individual borrowers.
Aldermore Insights with Jon Cooper: Edition 9 – Why lending strategy is becoming more central in buy to let
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Seeking diversification
Elise Coole (pictured), managing director at Keystone Property Finance, said: “What we’ve heard consistently is that landlords are increasingly looking beyond traditional buy-to-let in search of stronger yields and greater diversification, yet semi-commercial remains underserved by lenders relative to the demand that’s out there.
“That’s why, over the past 12 months, we’ve made two significant moves into new segments – first refurb-to-let and now semi-commercial. Both have been driven by clear, broker-led demand and reflect our commitment to expanding where brokers genuinely need more support.”
