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.

All of our underwriting decisions are made manually, and we assess complex portfolio applications on a commercial basis. This approach, together with our experienced BDMs means we can offer a personal, hands-on service.


  • 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 million
  • Unlimited background portfolio
  • Minimum property value £100K HMO, £75K standard properties
  • Minor adverse considered

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