Who we are

A BTL specialist you can trust

The buy-to-let market is evolving rapidly. Rising affordability challenges and shifting regulations mean landlords and brokers need more than just a lender, they need a true specialist. 
 
That’s where Zephyr Homeloans comes in. 
 
We’re dedicated to supporting brokers and landlords with expert guidance and flexible, tailored mortgage solutions. Whether you’re working with individual landlords or limited companies, our broad criteria cover a wide range of property types — from HMOs and MUFBs to flats above commercial and new builds. 
 
Got a large portfolio? No problem. There’s no cap on maximum loan size, and our experience and service on complex cases sets us apart. 
 
We offer manual underwriting by accessible, knowledgeable underwriters, and our friendly BDMs are always on hand to help. You’ll know your case is being handled by people who care. 
 
But what truly makes Zephyr different? Our people. Committed, experienced, and always focused on delivering outstanding service. 
 
It’s everything you’d expect from an award-winning BTL lender — and more. 
 
Got a case in mind? Let’s talk. We’re here to help. 

What we do

• Loans available to individual landlords and limited companies (SPVs).  
• Standard properties, HMOs, MUFBs, flats above commercial (FACs) and new builds.
• Flats: No restriction on the number of floors in a block. Ex-local authority and deck access.
• HMOs: Up to 6 bedrooms. No limit on the number of kitchens.
• MUFBs: Up to 6 units in any one development.
• FACs: Subject to valuer comments. Properties affected by noise, smell or unsocial hours are unlikely to be accepted.
• Minimum loan: £75k (£100k for HMOs, MUFBs and products at 80% LTV).
• Maximum loan: Standard properties - £2m, HMOs & MUFBs - £1.5m, flats above commercial & new builds - £750k.
• No maximum loan ceiling on large portfolios.
• Maximum LTV: 80% on standard, HMOs & MUFBs, 75% on flats above commercial & new builds.
• Loan terms from 5 to 35 years.
• Minimum age 21, maximum age 95 years at the end of the mortgage term.
• No minimum income for standard applications, £25K gross for professional landlords.
• Background portfolio stress testing at 100% of mortgage payments.
• ‘Day one’ remortgages.
• Remortgages for capital raising.
• Top slicing.
• Minor adverse considered.
• Landlords with DSS tenants accepted.
• Applicants must have UK Permanent Right to Reside.
• Unregulated BTL only (no consumer BTL). 

Quick links

Contact BDMs 
Product Guide 
All About Zephyr/Criteria Highlights
Submission Guide 
Underwriting Guide