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Buy to Let covered from A to Zephyr

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If you don’t know about Zephyr Homeloans already, we’re a dedicated buy-to-let lender, providing a range of mortgage products focused on meeting the needs of individuals and Limited Companies.

From bog standard properties to MUFBs, 100% flat roof to HMOs and minor adverse considered across the full range. Plus, an experienced team of regional and telephone-based BDMs – there are plenty of reasons to send cases our way!

Criteria Highlights 

Standard range

  • Individual and Limited Company (SPV) applications for single buy-to-let properties
  • Affordability based on the pay rate for products fixed for 5 years or more
  • Surplus income and rental ‘top slicing’ available in certain cases
  • Loans up to £2m

Specialist range

  • Individual and Limited Company (SPV) applications for HMOs (up to 6 bedrooms),
    MUFBs (up to 6 units), New builds and Flats above Commercial premises​​​​​​​
  • No background portfolio stress test (rental income needs to cover the
    mortgage payments at 100%)
  • Maximum loan sizes are:
    • £1.5m up to 70% LTV for New Builds and Flats above Commercial
    • £1m up to 75% LTV for HMOs
    • £600,000 up to 80% LTV for MUFBs