How to register with this lender as a new user
Go to www.zephyrhomeloans.co.uk and select Register – the link is on the menu bar at the top of every page.
How to add Mortgage Club as a payment route with this lender
Once you have registered, login in to our online portal.
How to contact this lender
New business - If you have a BTL case, get in touch with one of the Regional Sales Managers or Telephone BDMs. Details here: www.zephyrhomeloans.co.uk/contact.
Alternatively, email BDMqueries@zephyrhomeloans.co.uk
Existing cases: Call 0370 707 1894 (Mon to Fri 9am to 5pm) or email newbusiness@zephyrhomeloans.co.uk
Procuration Fees
| Fee received from lender (Gross fee) | We'll pay you (Net fee) | |
|---|---|---|
| Buy to Let | 0.500% | 0.450% |
Who we are?
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.
Latest detail of Zephyr’s product and criteria: www.zephyrhomeloans.co.uk
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 12 bedrooms. No limit on the number of kitchens.
- MUFBs: Up to 12 units in any one development.
- Minimum loan: £75k on standard properties, FACs and new builds, £100k on small HMOs and MUFBs up to 6 bedrooms/units, and £120,000 on large HMOs and MUFBs (7-12 bedrooms/units
- Maximum loan: Standard properties - £2m, HMOs & MUFBs - £1.5m, FACs & new builds - £750k.
- No maximum loan ceiling on large portfolios.
- Maximum LTV: 80% on standard properties and small HMOs and MUFBs (up to 6 bedrooms/units), 75% on FACs, new builds and large HMOs and MUFBs (7-12 bedrooms/units)
- Loan terms from 5 to 35 years.
- Minimum age 21, maximum age 95 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.
- Unregulated BTL only (no consumer BTL).