12 BTL Lending Tips

With our rates starting at just 4.39%, submitting a case couldn't be easier. Explore the tips below to streamline your complex buy to let process...

Make sure your client's case fits our criteria and if you're unsure then call your BDM or internal sales team to talk through the case - Mark Hindmarsh: BDM for South East
Be aware that we require a valuation report for all our Product Transfer cases but there is no cost to the borrowers for this - Lauren Tooth: Customer Service Specialist
Provide only necessary documents and verify that all documentation is certified accurately to facilitate smooth progress of your case. If documents are requested again, check the broker portal for notes in the action tab for clarification - Bronte Howship: Pre-Offer Senior Case Manager
Keep vigilant for solicitors' emails and promptly act on them to expedite case completion - Michelle Relyea: Head of Risk and Compliance
If your landlord client has a tight completion timeframe, communicate this date to us and solicitors for coordinated efforts - Charlotte Capon - Team Leader of Completions
If you have a HMO or Multi-Unit case then we will need the Supplementary Property Information form & valuation fee paid before it can be instructed for a valuation - Morgan Barnes: Head of Case Management
If you are being asked for documents you have already supplied and are not sure why, then log into the broker portal and check for a note in the action tab which will give you more details on what is required - Kelly Smith: Pre-Offer Team Leader and Efficiency Specialist
Utilise our online portal to clone cases post-FMA submission to streamline data entry for repeat clients - Kayleigh Cork: Head of System Design
Please only supply documentation which has been asked for as we have to review every document uploaded, even if it isn't needed and this can slow down the underwriting process - Louise Roderick-Scott: Senior Underwriter
Make sure to check your clients credit rating before submission. This will remove any unnecessary delays once it reaches our underwriting team and help for a smoother application process - Simon Jones: BDM for London & Essex
When keying a Product Transfer application, if the rental income has changed since the previous application, then make sure to update the application to reflect this as it could impact the amount we can lend on - Lucy Henson: Pre-Offer Deputy Team Leader
For Limited Company applications, ensure accuracy of directors, shareholders, and SIC code(s) by checking Companies House records - Annie Stevens: Underwriter

View our Products here >

If you have a case you would like to discuss, our dedicated business managers can assist, do call the broker hotline on 0345 148 9086 or email enquiry@keystonepropertyfinance.co.uk.