First Mortgage Lending Guidelines
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Keystone provides loans to borrowers who for one reason or another either have not been able to gain their required finance from a mainstream bank lender or due to the level of “red tape” and “process” the mainstream bank lenders nowadays put applicants through have consciously chosen to seek an alternative source of finance.
At Keystone we like to think of ourselves as being a common sense lender.
We understand that not all borrowers are the same and we focus on providing loans to people who don’t necessarily tick all of the boxes required by the mainstream lenders.
We assess each borrower’s unique circumstances, rather than merely basing our decision on an arbitrary credit score. That way we are able to offer you the best solution to your financial situation, this solution can even include a component of prepaid or capitalised interest.
The types of scenarios where borrowers seek private finance can include:
Property developers – Site acqusition; and / or Construction
Debt consolidation loans;
Equity release loans;
Borrowers with a tarnished credit record;
Borrowers with ATO arrears;
Finance is only required for a short term.
Keystone is able to fund the requirements of these sorts of borrowers by matching investors (Private Lenders) with the individual borrower based on the nature of each loan and the security property being offered.
Broker Enquiries Welcome
Keystone invites finance brokers to contact us to discuss loan funding scenarios. Our team has extensive experience with construction and development finance as well as structuring loan solutions for your “credit impaired borrowers”.
We encourage borrowers who believe Keystone might be able to help them to contact their finance broker and request they make contact with Keystone to discuss your needs. It is usually possible to provide a “high level” indication of whether finance might be available or not, within 24 hours.