As CEO, David drives the business forward on a daily basis. His passion and expertise is reflected through his active engagement and strong relationship with other industry leaders and lenders.
He is often called upon to give advice on lending criteria and help design new products. A colourful figure within the industry, David is renowned for telling it like it is. He is frequently asked for comment by both the national and trade press and is a regular speaker at industry events. David was voted Mortgage Personality of the Year at the Mortgage Strategy Awards 2017.
In January 2007 David launched Keystone Buy to Let Mortgages in a joint venture with the Wilky Group. Keystone loaned c£200m of mortgages before withdrawing from the market in December 2008. The Keystone lending brand was relaunched in 2012 with funding from Aldermore Bank and in 2015 by Paratus AMC.
It continues to go from strength to strength, and is now a specialist buy to let lender.
Hollie has been a long-standing member of the Keystone team and has one of the most important roles to maintain. As Chief Morale Officer she makes daily visits to everyone’s desks and provides them with cuddles. Her favourite thing to do is to take naps and eat treats.
Elise is responsible for the day to day management of the Keystone office, this includes supervising and managing the functionality and overall growth of the business. Elise has over 10 years of experience in the financial services industry, having worked in the Portfolio Restructuring Unit at Commerzbank responsible for investing in and managing UK mortgage portfolios.
As Sales and Marketing Director, Phil is responsible for the business managers, marketing and sales strategy. His extensive experience of buy to let is invaluable when assessing whether deals are a good fit with the Keystone products and criteria. Phil spends much of his time at events speaking to brokers about Keystone's offerings and discussing the buy to let market, so if you haven't yet met him, why not give him a call to arrange a meeting.
Moises supports brokers in the South East and London, helping them find solutions for their customers’ complex finance needs. With a wealth of experience from mainstream and specialist lenders, Moises will be able to assess cases quickly and efficiently to see if Keystone can help. Moises has worked in the Financial Services Industry for over 18 years.
Moises covers: AL, CM, CO, E, EC, EN, HA, HP, IG, LU, MK, N, NW, RM, SG, SS, SW, UB, W, WC & WD
Ross supports brokers in the South West, helping them find solutions for their customers’ complex finance needs. With over 10 years experience working in the financial sector, Ross brings with him a wealth of knowledge and experience in buy to let and specialist lending.
Ross covers: BA, BH, BS, CF, DT, EX, GL, HR, LD, NP, OX, PL, RG, SA, SN, SO, SP, TA, TQ, TR & WR
Mark supports brokers in the North East, helping them find solutions for their customers’ complex buy to let cases. Mark will work alongside the Sales team reporting to Phil Riches, Sales and Marketing Director.
He joins us with over 35 years experience within the financial industry and especially the buy to let intermediary mortgage market, his last position was at Aldermore Bank for 9 years.
Mark covers: DH, DL, DN, HD, HG, HU, LS, NE, S, SR, TS, WF & YO
Gary supports brokers in the North West including Manchester, Liverpool, Preston and down to Stoke-on-Trent. He has a background in specialist lending. Gary joined Keystone from Together Money. Before that he worked at Santander.
Gary covers: BB, BD, BL, CA, CH, CW, FY, HX, L, LA, LL, M, OL, PR, SK, ST, SY, TF, WA & WN
Mark supports brokers in the South East area, helping them find solutions for their client’s complex buy to let cases.
Mark joins Keystone with over 20 years’ experience and worked as a Business Development Manager at Uinsure for the past 11 years.
Mark covers: BN, BR, CR, CT, DA, GU, KT, ME, PO, RH, SE, SL, SM, TN & TW
Vicky supports brokers in the Midlands area, helping them find solutions for their client’s complex buy to let cases.
With a wealth of knowledge from mainstream and specialist lenders, Vicky will be able to assess cases quickly and efficiently to see if Keystone can help. Vicky has 18 years’ experience working within the Financial services industry.
Vicky Covers: B, CB, CV, DE, DY, IP, LE, LN, NG, NN, NR, PE, WS & WV
Phillip is responsible for managing the internal sales team. He helps and supports brokers to find solutions for their customers’ complex buy to let enquiries as well as making sure all day to day activities are dealt with as efficiently as possible. Phillip has worked in financial services for more than six years. Before joining Keystone, he was a mortgage underwriter with Halifax and prior to that he worked at Kent Reliance servicing open mortgages.
Mat is an office-based business manager. His main roles are answering the broker hotline, dealing with new broker registrations and deals as well as updating brokers with the status of ongoing cases.
Prior to joining Keystone Mat worked as a commercial manager at Sainsbury's for 12 years. As well as this Mat completed the full CeMAP qualification in November.
Matt works closely with the sales team and the business development managers. His main responsibilities include assisting the BDMs and helping brokers to find solutions for their customers complex buy to let enquiries. Matt joined the team in March 2021 after graduating from Lancaster University where he studied Finance and Economics.
Ellie is responsible for processing full mortgage applications through to offer efficiently as possible. She will be working within the pre-offer team to ensure applications are processed in a timely and professional manner. Ellie has just returned to work following her maternity leave and is now part of our pre-offer team. Prior to her leave she worked closely with our sales team as a Business Development Manager.
Working closely with the business development managers Penelope is responsible for implementing and executing the overall marketing strategy as well as maintaining the Keystone Property branding. She joined Keystone in January 2019 and brings with her over 7 years of marketing experience.
Working closely with the Head of Marketing and the Business Development Managers, Kirstie is responsible for helping to maintain the Keystone Property branding. Prior to Keystone, Kirstie worked in digital agencies with a 7 year marketing career.
With over 30 years’ experience in the mortgage industry Mike oversees our growing team of underwriters. He is responsible for making sure that all cases are analysed, assessed and written efficiently by the team
Ashley has 6 years-experience in mortgages, with the last 3 years in an underwriting capacity within the specialist buy to let sector. He joined Keystone Property Finance in November 2016 and has been heavily involved in shaping the underwriting process. It is Ashley's responsibility to determine whether the risks involved in offering the mortgage to a borrower are acceptable or not.
Prior to joining Keystone, he worked for Kent Reliance where the majority of the cases were buy to let, although he has some experience of shared ownership and residential applications. Previously, he worked for Charles Cameron & Associates in the City, along with spells at Chelsea Building Society and RBS.
Louise's responsibility within the underwriting team is to determine whether the risks involved in offering the mortgage to a borrower are acceptable or not. Louise was a Business Development Manager in the Midlands area for a year prior to moving across to Underwriting. She joined Keystone with over 15 years of financial services experience, most recently having worked at Amicus, where she served for over two years, and Aldermore, for nearly a decade.
Sam's responsibility within the underwriting team is to determine whether the risks involved in offering the mortgage to a borrower are acceptable or not. With over ten years’ experience in the financial industry, Sam joined Keystone in June 2019 with a rounded experience of underwriting and team leadership for different lenders.
Prior to joining Keystone, Sam worked for a city-based private bank where he was heavily involved in the development of revising lending criteria and new products, working closely with their Senior Leadership Team. Sam built his mortgage career at Halifax Premier, having been an underwriter, relationship manager and team leader within the large loan team.
Anne joins us from Santander where she worked as a Mortgage Advisor and Mortgage Underwriter for over 30 years. Anne works alongside Mike Freeman and Ashley Boorman analysing the cases submitted to Keystone. It is her responsibility to determine whether the risks involved in offering the mortgage to a borrower are acceptable or not.
Sally works together with the underwriting team, reporting to Mike Freeman, analysing the buy to let cases that are submitted to Keystone. The team have culpability to establish whether the risks involved in offering the mortgage to a borrower are appropriate or not.
Sally joined us from a central Government role dealing with the financial aspects and due diligence.
Mark joined Keystone in February 2021. He brings with him over 10 years experience in banking, with roles including Mortgage Underwriting and Mortgage Advice. Before joining Keystone, Mark worked for a London based private bank for 4 years in the Specialist Mortgage team. Mark works with the underwriting team analysing buy to let cases that are submitted to Keystone. The team are responsible for establishing whether the risk involved in offering the mortgage to a borrower are appropriate or not.
Beckie joins the underwriting team having been a senior case manager at Keystone where she oversaw the process of pre-offer cases ensuring they progressed from application to offer in smooth and timely fashion. Her new role sees her assisting the underwriting team in progressing applications through to the offer stage.
Prior to joining Keystone, Beckie worked at brokerage firm Mortgages for Business as a senior case manager that processed cases from offer to completion. Before this she worked in a family run restaurant as a shift manager.
Abby works together with the underwriting team analysing buy to let cases that are submitted to Keystone. The team are responsible for establishing whether the risk involved in offering the mortgage to a borrower are appropriate or not. Abby joined the team at the beginning of October after having over 5 years of mortgage industry experience working at One savings Bank as a Buy to Let and Residential Underwriter.
James works with the underwriting team analysing buy to let cases submitted to Keystone. The underwriting team are responsible for establishing whether the risk involved in offering the mortgage to a borrower are appropriate or not. James joined the team in December 2020, with 4 years mortgage industry experience at One Savings Bank as Completions Consultant as well as Underwriter. James also has experience working with BTL, Residential and Shared Ownership mortgage applications.
Elliot has recently joined the underwriting team having been a senior case manager on the post offer team at Keystone where he worked processing mortgage applications through to completion. His new role involves assisting the underwriting team reviewing applications to progress them through to the offer stage.
Previous to this Elliot worked for Timpson’s the cobblers/key cutters for 8 years in a management role.
Nicole joined Keystone in 2019, initially as a Case Manager then as a Senior Case Manager, working on processing applications through to offer. In May 2021, Nicole joined the Underwriting Team as Underwriting Support and is responsible for assisting underwriters in assessing and processing mortgage applications.
Caroline is responsible for implementing and maintaining organizational processes for the business. She works closely with each department to help increase efficiency and improve the customer journey. Caroline has over 8 years of experience in the financial services environment, managing processes for insolvent portfolios from pre purchase to completion.
Shernette joined the team in March 2020 as a Business and Process Analyst. As a member of the Operations team, she focuses on process design and reengineering, continuous improvement, and process efficiency. Her roles include identifying the current state of KPF processes, documenting models of the process, and facilitating stakeholder groups regarding new business process designs, automation, and system changes. Shernette has a business administration degree with an emphasis in project and programme management. Additionally, her years of experience are accompanied by certifications in lean six sigma, business analyst, and supervisory management.
Alvin is a member of the British Computer Society - The Chartered Institute for IT certified for Business Analysis and Software Testing and specialises in creating new business analysis functions, as well as introducing best-practice analysis tools and techniques into the business. She is responsible for analysing and implementing new technology to improve business processes and systems.
Neil joined the Operations team in January 2021 as a Business Analyst. He brings with him a wealth of experience across the Financial Sector. As a Business Analyst, he will look at both processes and systems to look at improvements across the board and add synergies between the various teams to move the business forward in a streamlined and cohesive manner.
Georgia will be supporting the implementation of system changes via creation of test plans, reporting defects and process mapping.
Georgia will also complete data entry to support the finance team.
Prior to Keystone Jake has a scientific background where he obtained his PhD in Systems Biology. He worked on building computational models of the liver to understand fatty liver disease.
Jake's role within Keystone is gathering data corresponding to all areas of the business. This data is then computationally analysed to reveal patterns, trends and associations, which can be used to help understand and better business performance.
Daniel works within the Operations department as a Junior Data Analyst, primarily reporting to the Senior Data Analyst, and is responsible for data cleansing, as well as extracting information & insight from the data gathered for the purposes of streamlining various processes within the business.
He initially joined the team as a Junior Fraud Analyst after graduating from the Open University with a First-Class Honours in BSc Mathematics.
Blessing joined Keystone Property Finance in January 2021 as a testing assistant, reporting to the head of Operations. Her main roles include supporting the implementation of system changes via creation of test plans, reporting defects and process mapping. Blessing is a BSc (hons) Forensic Science and Investigations graduate, and has experience in data entry, finance and administration.
Toni reports to the head of Operations, her main roles include supporting the implementation of system changes via creation of test plans, reporting defects and process mapping. Toni has a background in customer service and home insurance.
Michelle joins the team from Clydesdale and Yorkshire Bank having worked in banking her whole career. Michelle brings a wide range of credit, treasury, risk and compliance knowledge from working in both large and small banks in the city in various roles.
Michelle reports in to the Operations Manager, Elise Coole, and her responsibilities are ensuring that significant emerging financial, operational and reputational risks are identified at an early stage. Additionally she will work to build risk and control awareness across the whole business helping the senior management team embed robust risk management.
Elizabeth’s career has crossed several Financial Service Industry organisations including a Life & Pensions office, an IFA, regulated complaints and Know your Customer reviews. She reports into the Head of Risk and works closely with her to identify and mitigate risk issues to ensure Keystone maintains a robust risk management framework.
Mark has worked in the financial industry for 20 years, spending 10 of those as Senior Complaint Handler with Lloyds Banking Group. He also has experience in training and mentoring and Customer Due Diligence. Before joining Keystone Mark worked on a project with Deloitte dealing with COVID pandemic related specialised financial difficulties. He now reports into the Head of Risk and works closely with the risk department to identify and mitigate risk issues to ensure Keystone maintains a robust risk management framework.
Sophie joined the team from Lloyds Banking Group bringing with her several years’ experience in Customer Due Diligence and Anti Money Laundering within the Commercial Banking sector. Sophie brings a wide range of Know Your Customer, client onboarding, quality assurance and compliance knowledge from her time at Lloyds. Sophie reports into and supports the Compliance Officer with monitoring and reviewing the effectiveness of procedures and controls currently in place at Keystone.
Nigel joined the team in Feb 2021 as a Compliance Officer reporting to the Head of Risk. He has worked for Natwest / RBS Group for over 25 years in branch, lending centre, and international banking centre environments, most recently in customer services and SWIFT payment investigations and processing. For the last 5 years, he has worked at Blue Motor Finance as a Compliance and Quality Control Officer and brings experience in compliance, fraud investigation, data protection and quality control.
Robert joined Keystone in 2021 as Junior Risk Officer. He reports to the head of risk, Michelle Relyea, and works closely with the risk department to help negate any risk to the business. He graduated with a degree in Law in 2015, and started working at an IFA specialising in pensions and investments in the regulatory compliance department. He has also worked for CLS Group Services, providing compliance services to two FCA regulated companies.
Margaret joined the Keystone risk team from Co-Operative Bank with over 30 years experience. She has a background of Anti Money laundering and complaints handling, along with award winning customer service skills. Margaret brings with her a range of skills including the review of internal controls, auditing, preparing reports and writing recommendations.
Kloé joined the Keystone Risk team in February 2021 as a Junior Fraud Officer, she reports to the Head of Risk, Michelle Relyea. Before joining Keystone, Kloé worked in the travel insurance industry and has experience in cost containment, auditing complex cases, and reporting fraudulent activity.
Alison is responsible for managing the pre-offer team. Alison will ensure that all applications are processed through to offer by her team in a friendly and efficient manner.
Before joining Keystone Property Finance Alison worked for Lloyds Banking Group as a Team Leader for various departments with a total of 7 years of experience.
Kelly is responsible for handling submitted cases, processing them through to completion. Kelly will ensure all cases are dealt with in a professional and efficient manner, answering any questions brokers or their clients may have along the way. Kelly is a very knowledgeable case manager with over 10 years experience working in the industry. Kelly spent five years working as a mortgage underwriter for the Halifax and just over five years working within a case management team at a local brokerage.
Ben supports the pre-offer team and is responsible for processing applications through to offer. He will deal with all cases in a professional and efficient manner, answering any questions brokers or their clients may have along the way.
Prior to Keystone Property Finance, Ben worked in the savings team of a small, ethical bank.
Karen is responsible for processing full mortgage applications through to offer efficiently. She will be working within the pre-offer team to ensure applications are processed in a timely and professional manner.
Prior to Keystone Property Finance, Karen worked as the Office Manager for a small, local family run business and prior to that was a Primary School Teacher for 5 years. She has over 20 years administration experience and is keen to develop her career in the mortgage industry. She hopes to increase her knowledge and skills within the industry by completing CeMap during her time at Keystone.
Russel works within the pre-offer team to ensure applications are processed in a timely and professional manner through to offer.
Previous to working at Keystone Russel worked at the Royal Bank of Scotland for two years as a cash processor alongside studying for a degree in Business Studies at Canterbury Christ Church University.
He is fully CeMap qualified and wishes to get a better understanding of the buy to let mortgage process.
Lucy is responsible for processing full mortgage applications through to offer efficiently.
Prior to Keystone Lucy has worked within the motoring industry for 7 years working in a couple of different roles during this time.
Amber is responsible for processing full mortgage applications through to offer as efficiently as possible. She works within the pre-offer team to ensure applications are processed in a timely and professional manner. Amber joins the team after working within an IFA specialising in pensions for just over 2 years, where she analysed benefits held in pension plans.
Leia joined the team in February 2021 as a Case Manager. She is responsible for processing full mortgage applications through to completion as efficiently as possible.
Before joining Keystone, Bronte worked in admin for 4 years and brings with her an NVQ in Business Administrations Level's 2 and 3. She joined Keystone in February 2021 as a Case Manager. Bronte is responsible for processing full mortgage applications through to offer as efficiently as possible.
George joined the team in February 2021 as a Case Manager. He is responsible for processing full mortgage applications through to offer as efficiently as possible.
As a senior case manager, Morgan is responsible for overseeing submitted cases and the processing them through to completion. She ensures all cases are dealt with in a professional manner, answering questions from brokers and their clients. Prior to joining Keystone Morgan worked as a business administrator for a local printers.
Shannan is responsible for processing full mortgage offers through to completion efficiently.
Prior to Keystone Property Finance, Shannan worked at SearchFlow as a Helpdesk Advisor where she was responsible for handling searches, data provider and solicitor queries.
Hannah is responsible for processing full mortgage applications through to completion as efficiently as possible. Prior to joining Keystone Hannah worked at the Bank of America in the account closures department.
Lois is responsible for processing full mortgage offers through to completion efficiently.
Prior to Keystone Lois had worked within the financial industry for over 4 years.
Gary is responsible for processing full mortgage offers through to completion as efficiently as possible. Prior to Keystone Gary worked for a health care regulator as a supervisor for the Admin Team for 12 years, he also worked for Barclays Bank for nearly 20 years.
Jacqui is responsible for processing full mortgage offers through to completion efficiently. Prior to Keystone Property Finance, Jacqui worked at CLS/IConvey as a Conveyancing Sales Executive where she was responsible for converting quotes and instructing to Solicitors. Jacqui also worked for a national charity supporting unemployed disabled and disadvantaged people into employment.
Robert joined us in February 2021 as a Case Manager. He is responsible for processing full mortgage offers through to completion efficiently.
Charlotte joined the Keystone Property Finance team in February 2021 as a Case Manager. Before joining Keystone, Charlotte worked as a Legal Secretary in Residential Conveyancing. Her main responsibility as a Case Manager is processing full mortgage offers through to completion efficiently.
Kevin is the Team Leader within the Servicing Team who ensure that our borrowers receive a level of service that fully meets their needs and exceeds their expectations. He has worked within the financial services industry for over 35 years with 10 of those in residential mortgages. Prior to working at Keystone Property Finance he worked at National Bank of Canada in their International Division for 25 years
Samantha is part of the Servicing Team who ensure that our borrowers receive a level of service that fully meets their needs and exceeds their expectations. She has worked within the financial services industry for several years, undertaking numerous customers facing roles.
Callum is part of the Servicing Team who ensure that our borrowers receive a level of service that fully meets their needs and exceeds their expectations. He joins Keystone after gaining a 2:1 degree from the University of Winchester.
Mark is responsible for further development of software and systems both in the front and back office at Keystone.
He has developed numerous tools and services including our bespoke broker portal MyKeystone and led the mortgage application integration project with Twenty7Tech.
Mark graduated as a Systems Engineer and subsequently moved into the software industry. He worked his way up to become an Enterprise Resource Planning Systems Consultant responsible for scoping software requirements for companies ranging from toy manufacturers to cutlery distributors.
Previously working as the Head of Case Management overseeing procedures, Kayleigh is now responsible for implementation of improvements within the Keystone Origination System and MyKeystone.
As an IT Development Analyst, Emma is responsible for maintaining and supporting the IT infrastructure and aid with developing the Keystone Origination System and MyKeystone portal.
Emma is currently studying with the Open University for a degree in Information Technology.
Robin joins Keystone as a software developer, he is responsible for the development and enhancements to the internal and external MyKeystone Systems.
Before Keystone he worked as a senior software developer for 17 years at Mortgage Brain, Robin developed their in-house CRM system.
David supports the IT department with software development and changes to infrastructure as well as providing support to the keystone team and brokers – If it’s got a plug, it’s an IT problem. Prior to joining Mortgages for Business David worked as an interim IT management consultant for CapGemini Consulting. During his time at CapGemini, David worked closely with the development team to roll-out a new operating system for over 900 employees.