Zephyr Homeloans

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.
We offer a competitive range of buy-to-let products with LTVs up to 75%, and large loans of up to £2m.




Proc Fees

Product Gross Net
All Products 0.50% 0.45%

Specialist BTL is our bread and butter

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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.


At our heart is broad criteria on a range of property types for individuals, limited companies, and portfolio investors. 
If you place a case with us, we will strive to say ‘yes’ and give you a fast turnaround, but if we have to say ‘no’ we will do so quickly, explaining why. 
With manual underwriting, provided by underwriters you can speak with, and a dedicated BDM to chat with whenever suits, you will have peace of mind knowing your case is in safe hands.
We also do everything we can to give plenty of notice when we need to reprice our rates, so there are no sudden shocks for you and your landlord clients.

Zephyr Lends on:

Zephyr Lends to: 

Criteria Highlights:

Houses & Flats SPV Applications No min income
HMOs Portfolio Landlords Top slicing available
MUFBs Unlimited portfolios  Gifted deposits, equity & intercompany loans
Flats above commercial Up to £2m loan size Capital Raising
EX LA & desk access Up to 4 applicants  
New build Properties 
Up to age 95 at term end   






Give Zephyr a try today

If you have a BTL case for a professional landlord, get in touch as it could be our bread and butter. We would love to have a chat and see how we could help you.
View our latest Product Guide/Criteria and Submission Guide now.

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