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.
Paul supports brokers in the South West, helping them find solutions for their customers’ complex finance needs. Paul has 38 years’ industry experience and has worked on both the lending and broking sides of the property finance business. During his career he has worked as a corporate lending manager for both Barclays and Lloyds before moving onto the specialist buy to let lenders, primarily Paragon Mortgages and latterly Fleet Mortgages. Many in the mortgage industry will no doubt also know Paul from his 13 years as managing director of TBMC.
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.
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.
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.
Janine works alongside Phillip Spacey supporting brokers in Derby and Leicester. She is an office-based business manager. Her 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.
Janine has previously worked as a customer service administrator, a few years ago she worked as a negotiator in an estate agency as well as working as an administrator at a mortgage brokers.
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.
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.
Zoe is responsible for developing, implementing and executing the overall marketing strategy, she works closely with the Business Development Managers. Creating and organising both online and offline marketing activities, including events and awards.
As the youngest member of the team Bentley takes his job very seriously, Head of Security he sniffs out any danger and likes to greet everyone at the door. His favourite thing to do is to play and go out for long lunchtime walks.
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.
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.
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.
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.
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.
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.
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.
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.
Charlotte joins the team from Cabot Financial, bringing with her over 9 years’ experience in the financial services industry gained within the Consumer Credit sector.
Charlotte has achieved her Advanced Certificate in Compliance through the International Compliance Association (2017), and will use her knowledge and experience to monitor and review the effectiveness of systems and controls Keystone have in place. Charlotte reports into Michelle Relyea, the Head of Risk and will assist Michelle in maintaining a robust risk management framework.
Michael works at Keystone as a Junior Fraud Officer, he is responsible for conducting investigations on cases, looking to catch fraudulent behaviour within the business and market in general. He works hard to ensure risks are caught and kept to a minimum across the business.
Prior to Keystone Michael worked within a recognised care company for three years.
Previous to working at Keystone Matt was a dental technician for five years, he came to Keystone for a change of career.
Matt reports in to the Head of Risk, Michelle Relyea, and his responsibilities include producing accurate management information for senior management. Advising on the risks associated with the mortgage business. Matt also helps to ensure risk and controls are built in across the business.
Chris joins Keystone Property Finance as a Risk Analyst and is responsible for risk mitigation and compliance monitoring, reporting into Michelle Relyea, Head of Risk. Chris is also responsible for various projects including the revision of company lending criteria and lending policy.
Prior to Keystone Chris worked as a Buy To Let Case Manager for LendInvest where he managed specialist BTL mortgage applications from broker submission through to completion. Chris has also worked for OneSavings Bank, Bilfinger Europa Asset Management and The Royal Bank of Scotland (RBS).
Chris holds a 2:1 BA (Honours) in Banking & Business Economics from a City-based University and has successfully completed The Level 3 Master Estate Agent Diploma including Property Management and Lettings Negotiation.
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.
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.
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.
Nicole joins the pre-offer team with levels 1 & 2 of CeMAP completed, she is working to complete the last exam. Prior to Keystone Nicole worked as a service coordinator for cooking equipment.
Nicole 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.
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.
Samantha is responsible for processing full mortgage applications through to offer efficiently. Samantha will deal with all cases in a professional and efficient manner, answering any questions brokers or their clients may have along the way. Prior joining Keystone Property Finance, Samantha worked at Cabot Credit Management for just over seven years, where she undertook numerous roles across different departments.
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.
Tom will be working within the pre-offer team as valuations manager, he is responsible for reviewing and discussing valuation reports.
He will be in contact with our valuers and work to instruct valuations in a promptly manner. Prior to Keystone Tom worked as a graduate surveyor after obtaining a masters degree in Rural Estate Management.
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.
Elliot works within the post-offer team processing mortgage applications through to completion efficiently.
Previous to this Elliot worked for Timpson’s the cobblers/key cutters for 8 years in a management role.
Madeleine works within the completions team processing full mortgage offers through to completion efficiently.
Prior to joining Keystone she worked as a property manager for Century 21 in Maidstone.
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.
Kevin works alongside the completions team and is responsible for dealing with the mortgage once it has passed the completion stage of the application process.
Kevin 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.
Prior to working at Keystone Callum gained a 2:1 degree in Ancient History from the University of Winchester. He has spent two summers travelling the United States working for summer camps in North Carolina and Miami as well as working full-time in a local pub.
At Keystone he works alongside Kevin and the completions team where he is responsible for dealing with the clients mortgage after it has passed the completion stage.
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.
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.
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.
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.