Zephyr introduces new 80% LTV rates on five-year fixes for HMOs and MUFBs

27 June 2024

Company also provides range of fee options to suit landlords’ budgets

BRISTOL, 27 June 2024 – Zephyr Homeloans, the specialist buy-to-let (BTL) mortgage provider has announced that it is for the first time offering 80% LTV mortgage products on five-year fixes for houses in multiple occupancy (HMOs) and multi-unit freehold blocks (MUFBs).

The lender said that it is offering the following for properties with an A to C-rated energy performance certificate (EPC):

· 5.99% on a five-year, fixed rate for HMOs and MUFBs with up to 80% LTV, with a 3% fee
· 6.59% on a five-year, fixed rate for HMOs and MUFBs with up to 80% LTV, with a 0% fee

Zephyr also said it is offering the following rates for properties with an EPC rating of D or E:

· 6.09% on a five-year, fixed rate for HMOs and MUFBs with up to 80% LTV, with a 3% fee
· 6.69% on a five-year, fixed rate for HMOs and MUFBs with up to 80% LTV, with a 0% fee

Paul Fryers, Managing Director at Zephyr Homeloans, said: “We’re pleased to be able to offer a wider range of products and fees to help brokers find the best deal for their landlord clients.”

Landlords can also add the mortgage arrangement fees to the loan balance up to a maximum LTV of 83%.

The company added that it will continue to offer 80% LTVs on its standard range of mortgage products.