Keystone Property Finance is reintroducing green mortgages and is cutting all five-year fixed rates by up to 15 basis points.

Part of a major product overhaul, the reductions mean Keystone’s 65% LTV five-year fixed rates now start at 5.89% while its 75% LTV five-year fixed rates start at 5.99%.

The specialist buy-to-let lender’s four new green mortgages are all available up to 80% LTV, with rates starting at 6.14% for a fee of 5.5%.

To qualify, landlords must be purchasing or refinancing a property with an EPC rating of either A or B.

The lender has also launched new two-year product transfer and switch & fix products as well as a new suite of specialist five-year expat deals for those purchasing or refinancing an HMO or MUFB.

It means the lender’s two-year product transfers start at 7.44%, while its switch & fix range is available from 6.54% and its new five-year expat range from 6.59%.

Keystone Property Finance managing director Elise Coole says: ““While swap rates remain much higher than they were a year ago, they have stabilised of late, allowing us to pass on these rate reductions to brokers and their clients today. If market conditions allow us to make further cuts, we won’t waste any time in doing so”.

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