Keystone Property Finance has enhanced its specialist and ex-pat mortgage ranges with new rates starting from 4.34%.

The specialist range caters for first-time landlords purchasing houses in multiple occupation (HMO) and multi-units (MUFBs) with up to six rooms/units and up to 15 rooms/units for more experienced landlords.

Rates start at 4.34%, while the maximum LTV is 75%. There is a range of arrangement fee options, starting at 2.5% of the loan size.

Highlights from the range include:

• 4.34% two-year fixed rate up to 65% LTV. Available for experienced landlords

purchasing or refinancing HMOs & MUFBs with 7-15 occupants/units;

• 4.54% two-year fixed rate up to 65% LTV. Available to first-time landlords purchasing or refinancing HMOs & MUFBs with 1-6 occupants/units.
• 5.34% five-year fixed rate up to 65% LTV. Available to first-time landlords purchasing or refinancing HMOs & MUFBs with 1-6 occupants/units
• 5.54% five-year fixed rate up to 65% LTV. Available to experienced landlords purchasing or refinancing HMOs & MUFBs with 7-15 occupants/units

Keystone’s ex-pat suite of products has options for first-time landlords purchasing or refinancing a HMO or MFUB containing up to six rooms or units. The lender allows up to 15 rooms or units for more experienced landlords.

Highlights from the range include:

• 4.64% two-year fixed rate up to 65% LTV. Available to experienced landlords purchasing or refinancing HMOs & MUFBs with 1-6 occupants/units
• 4.94% two-year fixed rate up to 65% LTV. Available to experienced landlords purchasing or refinancing HMOs & MUFBs with 7-15 occupants/units
• 5.74% five-year fixed rate up to 65% LTV. Available to experienced expat landlords purchasing or refinancing HMOs & MUFBs with 1-6 occupants/units. Not available to first-time landlords
• 5.94% five-year fixed rate up to 65% LTV. Available to experienced expat landlords purchasing or refinancing HMOs & MUFBs with 7-15 occupants/units. Not available to first-time landlords

Keystone managing director Elise Coole commented: “These enhancements address a very real need in the market for ex-pat and specialist buy-to-let options. Brokers have told us that they would like to see a better choice of deals for first-time landlords, which is why we have made them a key focus of both ranges”.