Who we are

At Norton Home Loans we apply a human approach to regulated mortgages and secured loans (second charge mortgages) lending to customers who don’t tick all the boxes with high-street lenders and banks. We can often provide solutions to typical lending problems like credit profile, untraditional employment types, benefits income, self-employed & non-standard construction properties. Secured loans (second charge mortgages) can be useful if the mortgage lender refuses further lending due to circumstances, remortgaging isn’t cost effective or available due to circumstance, as well as for clients who do not want to impact the low interest rate they have secured on their mortgage.

What we do

The highly experienced team of business managers are available to assist brokers to place their clients complex buy to let cases, including higher yielding properties such as HMOs & multi-unit freeholds and multi-layered company structures. 
 
We use a cloud-based AIP and application system which is available 24/7 enabling brokers to transact their cases quickly and efficiently.  
 
Keystone provides solutions and funding for: 

• Up to 80% LTV
• HMOs up to 15 occupants
• Multi-units up to 15 units  
• Product Transfers
• Product Transfer with additional borrowing
• Refurb to Let
• High-rise flats  
• Flats above commercial
• Studio flats - min 30sqm
• Ex-Local Authority properties
• Students as tenants
• Multi-let (no HMO licence required)
• Universal Credit Tenants
• Minimum property value - £75K
• First-time landlord for standard properties  
• First-time landlords on HMO/Multi units up to 6 occupants/6 units
• Maximum £3m loan per single property