| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Rental coverage (ICR) |
| Day-one lending | N/A — BTL, rental-assessed |
| Minimum history | Portfolio/experience-based |
| IR35 (inside) stance | N/A — assessed on rental, not day rate |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company BTL |
| Gaps between contracts | N/A — rental-assessed |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary only |
Yes — SPV and limited company BTL is core, alongside HMO, multi-unit and portfolio lending. Exact terms are confirmed live at application.
On rental coverage (ICR) rather than day rate; personal contractor income is evidenced where required.
Yes — HMOs and multi-unit property sit within its specialist BTL range. Specifics are confirmed at application.
No — Keystone is broker-only. As a whole-of-market broker we can place your case.
Mild, explainable adverse may be considered within its specialist BTL frame. We'll triage the right fit.
Speak to our contractor mortgage specialists to check live Keystone Property rates and verify your borrowing capacity.