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Zephyr Homeloans


Zephyr Homeloans


They have got Buy to Let lending covered from A-to-Zephyr

Zephyr Homeloans is a dedicated buy-to-let lender, providing a range of mortgage products that are focused on meeting the needs of professional portfolio landlords and other specialist property investors.

They understand that the Buy to Let market is evolving and becoming more complex, with new tax rules and regulations leading to some confusion in the Buy to Let sector.

Zephyr Homeloans aims to support intermediaries by staying one step ahead of the market, offering proactive guidance and providing mortgage solutions that will help you meet the needs of your clients.



Zephyr Homeloans is a trading name of Topaz Finance Limited, an FCA regulated mortgage lender based in the UK that has been operating since 2006.  Topaz looks after the mortgages of over 100,000 customers under a range of different trading names.

Topaz is a business owned by the Computershare group – a global leader in financial services administration, working with some of the world’s leading organisations to provide a wide range of financial and governance solutions, including mortgage origination, credit management and customer services.  In the UK alone, Computershare manages over £50bn of mortgage assets across 25+ clients.

So, although Zephyr Homeloans is a new name in the mortgage market, their wealth of industry experience means you can be confident they will deliver the quality service you and your customers expect.



Zephyr Homeloans aims to provide a reliable service that consistently meets your expectations. All of their underwriting decisions are made manually and they assess complex portfolio applications on a commercial basis. This approach, together with their experienced regional and telephone based BDMs and knowledgeable back office teams means they can offer a personal, hands-on approach to case management – giving you the ability to talk to a decision maker, if you need to do so.

Contact a member of the Zephyr team

Product and Criteria Highlights


  • Landlords with DSS tenants accepted
  • UK permanent Right to Reside
  • Minimum of one full year’s trading required for Self employed and Contractors
  • 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 £2,000,000
  • Up to 80% LTV
  • Unlimited background portfolio
  • Minimum property value £100K HMO, £75K standard properties
  • Minor adverse considered

Providing their lending criteria has been met and any information provided can be verified by their underwriters, they will consider applications for purchase or remortgage, from Individuals and Limited Companies on single properties, HMOs, Multi-Unit Freehold Blocks, New Builds and Flats above Commercial premises.
Find out more about their products

Contact Zephyr


Web address: zephyrhomeloans.co.uk

For general enquiries about Zephyr or to discuss a case in progress – please contact their Broker Support Team, Monday to Friday from 9am to 5pm.

T 0370 707 1894
F 0370 707 1897
E newbusiness@zephyrhomeloans.co.uk

Or to discuss a potential new case contact their BDM Telephone team:

T 01756 776011
E BDMQueries@zephyrhomeloans.co.uk