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Zephyr further reduces rates across two and five-year mortgages
14 July 2025
Bristol, 14 July 2025 – Zephyr Homeloans, the specialist buy-to-let (BTL) mortgage provider, has announced it is reducing rates on its two-year mortgage products by 15 basis points (bps) and by 10 bps on its five-year mortgage products.
The changes have resulted in the following for two-year, fixed mortgage products:
- 2.54% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
- 2.54% on a two-year, fixed rate mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
- 2.69% 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:
- 4.39% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
- 4.39% % on a five-year, fixed rate mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
- 4.49% on a five -year, fixed rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee
Andy Rowe, Head of Sales at Zephyr Homeloans, said:
“Following our recent repricing, we’re pleased to be able to reduce rates again to help our brokers to better support their landlord customers.”
Zephyr said that its fixed rate mortgage products are also available with a 0% or 3% fee option.
