We’ve got Buy-to-Let lending covered from A-to-Zephyr.

We’re a dedicated buy-to-lender specialising in mortgages for individual and portfolio landlords, offering a range of products focused on meeting the needs of your clients.

The product range features two, five, and seven-year fixed rates starting from 2.49%, LTVs up to 80%, and large loans of up to £2m. Plus, for a limited time only, we've removed our upfront Application fees from our entire product range!

Proc Fees

Product Gross Net
All Products 0.50% 0.45%


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Register to place business with Zephyr:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


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
  • HMO’s to 6 bedrooms
  • MUFB’s – up to 6 units
  • Flats above commercial Properties
  • Ex-Local Authority & 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.

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