Zephyr reduces rates across two and five-year mortgages

01 July 2025

Bristol, 30 June 2025 – Zephyr Homeloans, the specialist buy-to-let (BTL) mortgage provider, has announced it is reducing rates on its five-year fixed rate mortgage products by a minimum of 15 basis points (bps) and on its two-year mortgage products by a minimum of 10 bps.

The changes have resulted in the following for two-year fixed mortgage products:

• 2.69% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 2.69% on a two-year, fixed rate mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 2.84% 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

The changes have also resulted in the following for five-year fixed mortgage products:

• 4.49% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 4.49% % on a five-year, fixed rate mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 4.59% 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 confident our latest changes will make it even easier for brokers to find deals that best suit their landlord customers.”

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