Mortgage and Protection Services
Whatever stage of the property journey you're at — buying, moving, remortgaging or protecting what matters most — I offer clear advice covering the full range of mortgage and protection solutions.
Mortgage Services
Finding the right mortgage shouldn't be stressful. Whether you're buying your first home, moving house, remortgaging, investing in property or looking at specialist lending, I'll guide you through your options with clear, straightforward advice.
With access to a wide range of lenders across the market, I work to find a mortgage that's right for you — both now and further down the line.
Moving Home
Planning a move? I'll help make the mortgage side of it as smooth as possible — whether you're upsizing, downsizing or relocating, I'll find a mortgage that fits your next home.
- Straightforward advice on porting, remortgaging or a fresh mortgage deal
- Support from application through to completion
Your home may be repossessed if you do not keep up repayments on your mortgage
Remortgages
Whether you're looking to secure a better rate, reduce your monthly payments or release equity from your home, I'll help you find a remortgage deal that meets your goals.
- Comparing deals across the whole market, not just your current lender
- Advice on timing your remortgage to avoid early repayment charges
Your home may be repossessed if you do not keep up repayments on your mortgage
You may have to pay an early repayment charge to your existing lender if you remortgage
First Time Buyers
Buying your first home is exciting, but it can feel overwhelming. I'll guide you through the process from start to finish, helping you understand your options and take that first step onto the property ladder with confidence.
- Help understanding how much you can borrow and what you can afford
- Mortgages tailored to first-time buyers.
Your home may be repossessed if you do not keep up repayments on your mortgage
Buy to let
Whether you're purchasing your first investment property or expanding an existing portfolio, I'll help you find a buy-to-let mortgage suited to your investment goals.
- Advice for both new and experienced landlord
- Support with portfolio and limited company buy-to-let structures
Your home may be repossessed if you do not keep up repayments on your mortgage
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority
Self-Employed
Being self-employed doesn't mean getting a mortgage has to be complicated. I understand the challenges faced by business owners, contractors and freelancers, and can help find lenders who understand your income structure.
- Experience with sole traders, contractors, partnerships and limited company directors
- Advice tailored to your circumstances
Your home may be repossessed if you do not keep up repayments on your mortgage
New Build
New build properties often come with unique mortgage requirements and tight deadlines. I'll help you navigate the process and secure a mortgage suited to your purchase.
- Specialist support for new build purchases
- Access to lenders experienced in new build lending
Your home may be repossessed if you do not keep up repayments on your mortgage
Shared Ownership
Shared ownership can be an excellent route onto the property ladder if buying outright isn't currently an option. I'll explain how the scheme works and help you find the right mortgage.
- Guidance on staircasing and increasing your share over time
- Access to lenders who specialise in shared ownership mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage
Debt Consolidation
If you're looking to simplify your finances, it may be possible to consolidate existing debts through a remortgage. I'll explain the options available and help you work out whether it's the right move for you.
- Advice on the true cost of consolidating debt into your mortgage
- Help weighing this against other options, such as unsecured borrowing
Think carefully before securing other debts against your home. The overall cost of repayment of other debts might be more when added to your mortgage. Your home might be repossessed if you do not keep up repayments on your mortgage
Adverse Credit
A history of credit issues doesn't automatically mean your mortgage options are limited. I work with lenders who consider a range of circumstances and can help you explore what's available to you.
- Experience with missed payments, defaults, CCJs and past bankruptcies
- Access to specialist lenders outside the high street
Your home may be repossessed if you do not keep up repayments on your mortgage
Advers mortgage interst rates are likely to be higher and the application process may be more complex
Protection Services
Protecting your family, income and home matters just as much as arranging the right mortgage. Whether you're safeguarding your mortgage repayments, your income or your loved ones' financial future, I'll help you find cover that fits your circumstances now — and adapts as life changes.
As with all insurance policies, terms, conditions and exclusions will apply.
Mortgage Protection
Your mortgage is likely one of your biggest financial commitments. Mortgage protection can help ensure your home stays secure if the unexpected happens.
- Cover that pays out to help meet your mortgage repayments
- Options to match your mortgage term and balance
- Peace of mind for you and your family
Income Protection
If illness or injury stopped you working, income protection can provide a regular income to help maintain your lifestyle and meet your essential outgoings.
- Cover that pays out monthly until you're able to return to work
- Options to suit employed, self-employed and contract income
Life insurance
Life insurance can provide a valuable financial safety net for your loved ones, helping them cope financially if the worst happened.
- A lump sum paid to your family, tax-free in most circumstances
- Options to cover a mortgage, replace income, or both
Critical Illness
Critical illness cover provides a lump sum payment if you're diagnosed with a specified serious illness covered by the policy, helping ease financial pressure during a difficult time.
- A lump sum to cover treatment costs, debts or lost income
- Cover for conditions such as cancer, heart attack and stroke
Family Protection
Family protection helps provide financial security for those who depend on you, giving you confidence that they'd be supported if the worst happened.
- Cover that can combine life, income and critical illness protection
- Particularly relevant if you have children or other dependants
Home Insurance
Your home is more than just a property. Buildings and contents insurance can help protect both your home and the belongings you've worked hard for.
- Cover for buildings, contents, or both combined
- Help comparing policies to find the right level of cover
Your home/property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
At Keystone Mortgage Services Limited we believe in clear, professional advice. For this reason, we provide complimentary consultations to help you understand and review all appropriate options available. Our consultancy‑based model is designed to deliver exceptional value. Once a property has been found and you are ready to progress with your mortgage application, our standard fee is up to £450 payable at point of mortgage offer and confirmed before you proceed. We do not charge until a mortgage has been secured. This fee is only subject to change in cases involving complex requirements, ensuring complete transparency and reassurance throughout the process.
Keystone Mortgage Services Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 1060253. Keystone Mortgage Services Limited is registered in England and Wales under company number 17274034 at registered address 76 High Street, Stony Stratford, Milton Keynes, MK11 1AH.