Zephyr reduces rates across all two-year mortgages

02 May 2025

Lender reducing all two-year fixed mortgage products by 15 basis points (bps)

Bristol, 2 May 2025 – Zephyr Homeloans, the specialist buy-to-let (BTL) mortgage provider, has announced it is reducing rates on its two-year mortgage products.

The lender said that it is offering the following for properties with an A to C-rated energy performance certificate (EPC):

• 2.79% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 2.79% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 2.94% 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

Zephyr also said it is offering the following rates for properties with an EPC rating of D or E:

• 2.89% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 2.89% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 3.04 % on a two-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 are continuing to fund rates that will help brokers to better service their landlord customers.”

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