LOWER rates
NEW products


With a wider range of competitive options, landlords can leverage their property the best way for their individual needs.


View current rates & criteria >

Our 2-Year Fixed rates now have less stress


Previously, the calculation included the reversion rate, but now the stress rate is just the higher of Payrate + 2% or 5.5%.

Use our illustrative calculator >

Welcome to Zephyr


As an award-winning BTL lender, we have broad criteria for individuals and limited companies (SPVs) across a range of property types, including HMOs, MUFBs, new builds, and flats above commercial. Large portfolios are a particular speciality.

View our criteria & products >

Zephyr recognised as best  buy to let lender


At the 2023 Property Reporter Awards

Read more >

Latest News

A selection of news, views and updates about the buy-to-let sector.