Zephyr Homeloans is a dedicated buy to let lender that provides a range of mortgage products for professional portfolio landlords and other specialist property investors.

Products and criteria highlights include:

  • No minimum income for Standard applications, £25k gross for professional landlords
  • Income top-ups acceptable
  • Maximum age 95 years at completion of mortgage
  • HMOs to 6 bedrooms
  • MUFBs up to 6 units
  • Flats above commercial properties
  • Ex-local authority and deck access
  • Large loan size – up to £1.5 million
  • Up to 75% LTV
  • Unlimited background portfolio
  • Minimum property value £100k HMO, £75k standard properties
  • Minor adverse considered

We’re here to support intermediaries by staying one step ahead of the specialist lending market, offering proactive guidance and providing mortgage solutions that will help you meet the needs of your clients, no matter how complex they might be.

Products from Zephyr Homeloans can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service. Please contact us for further details.

Proc Fees

Product Type Gross % Net %
Buy to Let - Packaged 0.85% 0.45%
Buy to Let - Direct 0.50% 0.45%