Whole-of-market mortgage broker

We find the lender who can say yes.

Lenders read the same income and the same credit file completely differently. Our job is knowing which ones read yours kindly — and telling you straight when the answer is 'not this year'.

What this costs you What to have ready

Check what's possible

Sending this is an enquiry, not an application. No credit search happens, and nothing here leaves a mark on your file.

Four reasons people call us

A first home

You want the real number before you fall for a flat. We work backwards from what a lender will actually lend you, not from what the portal says you can afford.

A rate that's ending

The letter from your own bank is one option out of many. We check whether staying put beats moving, and say so when it does.

Moving house

Porting, borrowing more, or starting again — three different sums. We run all three before you commit to any of them.

Told no somewhere else

A decline is usually a criteria mismatch, not a verdict on you. We find out which box you missed, and which lender doesn't have that box.

Who decides what

Whether you can borrow — The lender. Always. Never us.
What your home is worth — The lender's valuer — not the estate agent, and not you
How your income counts — Every lender counts it differently, which is the whole job
Which lenders to approach — Us, with you, and we show the reasoning in writing
Whether to go ahead — You, once you've seen the numbers side by side

Your home may be repossessed if you do not keep up repayments on your mortgage. No broker can approve a loan, guarantee a rate or hold one for you. Our regulator, our firm reference number and our full terms are set out in the documents we send before any advice is given.

How the process runs

A first call — Twenty minutes, and it's free
Agreement in principle — Usually a day or two, once you say go
Full application — Goes in when an offer is accepted
The lender books a valuation — Their timetable, not ours
Mortgage offer — A few weeks — it varies by lender, every time
Completion — Set by the solicitors and by the chain

Every timing above belongs to a lender, a valuer or a solicitor, so read them as the shape of the process rather than a promise. What we can promise is that you hear from us the day something slips, not a week later.

What this costs you

Our advice fee — $495, payable when your mortgage offer arrives
Before that — Nothing — the call, the search and the paperwork check are free
The lender's procuration fee — Paid to us by the lender, and disclosed to you in writing
Valuation — Set by the lender — sometimes included, sometimes not
Product fee — The lender's. We show you every deal with it and without it
Legal work — Quoted by your conveyancer and paid to them, never to us

If no lender can help you, there is nothing to pay. Fees are confirmed in writing before any application is submitted and do not change afterwards.

Start with the free call

What to have ready

Proof of who you are

Passport or driving licence, plus something with your current address on it from the last three months.

The last three months

Payslips and bank statements. Self-employed: two years of accounts or tax calculations, whichever your accountant files.

The deposit, and where it came from

Lenders ask about the source every single time. Savings, a house sale, a gift — a gift needs a short letter from whoever gave it.

Everything you pay out

Loans, cards, car finance, childcare, school fees, maintenance. Leaving one out doesn't hide it — it just delays the decision.

Have these and we can usually get an agreement in principle inside the same week. Missing one isn't a problem: we start anyway and fill the gap while the rest is moving.

★★★★★

“Two lenders had already said no and I assumed that was that. Keystone worked out which part of my income the first two couldn't count, and went to one that could.”

Dami A.

First home

★★★★★

“They told us to wait four months and fix one thing on my credit file first. It cost them the fee that year. We came back, and the second conversation was a much shorter one.”

Ruth and Peter

Remortgage

Twenty minutes on the phone

Bring the rough numbers and one worry. You'll come off the call knowing whether there's a lender for you right now, what it would cost, and what to do next either way.

Call the office

Lines are open weekdays 9am to 6pm, and Saturday mornings. Message us instead if that's easier — we answer messages in the same hours.

Message a broker

in f 🌐✉