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August 07.2025

2 Minutes Read

Exploring Keystone’s Limited-Edition HMO Range: An Investment Breakthrough for Landlords

Charming miniature house among question-mark blocks, exploring limited-edition HMO financing.

Keystone's Innovative Approach to HMO Financing

In a strategic move to cater to experienced landlords, Keystone Property Finance has introduced a limited-edition HMO (House of Multiple Occupation) product range, optimized for flexibility and competitive returns. This Summer Special offering allows up to 80% loan-to-value (LTV) for properties housing up to six occupants, addressing growing demand within the buy-to-let market.

Attractive Rates and Simple Terms

The new products feature two- and five-year fixed rates priced at 5.79% and 5.99%, along with a minimal arrangement fee of just 2.5%. With a maximum loan size of £750,000, these offerings are designed for landlords who are keen on maximizing their rental yields. Keystone's managing director, Elise Coole, emphasized that HMO properties continue to hold significant resilience and profitability amidst market fluctuations.

Capitalizing on Market Opportunities

This latest launch aims to empower landlords to diversify their portfolios effectively. As Coole highlighted, the flexibility these loans provide allows for expansion or refinancing of existing holdings, ensuring that landlords can take full advantage of current market conditions.

The Future of HMO Investments

The buy-to-let landscape is evolving, and with the continuing interest in shared living arrangements, HMOs represent a lucrative investment avenue. The simplicity of Keystone’s criteria paired with enhanced LTV options provides an enticing opportunity for landlords, particularly as housing needs shift post-pandemic. Understanding the value of such financing options could be a game-changer for financial institutions and service providers looking to engage in this sector.

This limited-edition HMO range by Keystone Property Finance is not just another product offering; it's a reflection of the market’s changing dynamics, foreseeing a trend towards higher-yielding rental properties. As landlords navigate through varied economic climates, Keystone’s initiative stands out as a beacon for financial growth in property investments.

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Exploring Keystone’s Limited-Edition HMO Range: An Investment Breakthrough for Landlords

Keystone's Innovative Approach to HMO Financing

Attractive Rates and Simple Terms

Capitalizing on Market Opportunities

The Future of HMO Investments

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