Zephyr reduces rates across two and five-year mortgages

19 February 2025

Lender reducing all two-year, fixed rates by 20 basis points (bps) and five-year rates between 20 and 36 bps

Bristol, 19 February 2024 – Zephyr Homeloans, the specialist buy-to-let (BTL) mortgage provider, has announced it is reducing rates on its two and five-year mortgage products.

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

3.14% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
4.69% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
3.14% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
4.69% on a five-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
3.29% on a two-year, fixed rate, mortgage for HMOs (houses of multiple occupancy) and MUFBs (multi-unit freehold blocks) up to 65% LTV, with a 7% fee
4.79 % on a five-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee

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

3.24% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
4.74% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
3.24% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
4.74% on a five-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
3.39% on a two-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee
4.84% on a five-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee

Andrew Rowe, Head of Sales at Zephyr Homeloans, said:

“We’re pleased to be able to support brokers and their landlord customers further with these new reductions.”

Zephyr said that its fixed rate mortgage products are also available with a 0% or 3% fee option.