Zephyr reduces rates across two and five-year mortgages for second time this year

10 April 2025

Lender reducing all two-year, fixed rates by 20 basis points (bps) and five-year rates by 5 bps

Bristol, 10 April 2025 – 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):

2.94% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
4.64% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
2.94% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
4.64% on a five-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
3.09% 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
4.74 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:

3.04% 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
3.04% 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
3.19% on a two-year, fixed rate, mortgage for HMOs and MUFBs 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

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

“We’re pleased again to be able to provide reductions for brokers to offer to their landlord customers.”

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