Submitting Business

Terms of Business

All mortgage intermediaries are required to comply with our Intermediary Terms of Business.

Key partners

Our products are available through a selected panel of approved packager partners and brokers who have registered directly with us, with cases submitted through our Online Portal. We do not provide mortgages directly to borrowers. New applications can be submitted through packagers on our approved Partner Panel.

Online Portal

In order to submit a mortgage application to us, you must be registered on our online portal.
Register >

Already have an account?
Log in >

Portfolio Applications

If a client is applying for a mortgage on more than one property with Zephyr Homeloans, our Portfolio Overview Spreadsheet must be completed to provide details of each property that is part of the application.

In any situation where a client will own 4 or more properties at completion (not necessarily as part of their mortgage portfolio with Zephyr Homeloans) then additional background information on their property portfolio is required.

We’re now working in partnership with eTech’s BTL Hub to allow you to send through the additional background information we require in a quick and simple way. All the details we need can be uploaded using our BTL Hub spreadsheet.

For help with using eTech’s BTL Hub, download the Quick Start User Guide.

Application Submission Guide

To help you provide the correct documentation to support an application, we have summarised the information required on our Application Submission Guide.

You can download all of the various forms and documents from our document library.

To discuss any aspect of a case, please contact us.

Valuations and Conveyancing

From 5 July 2019, our approved conveyancers for all new case submissions are Blacks Connect. They have a dedicated team supporting Zephyr Homeloans and will issue contact details to you directly on instruction of a case.

Any cases in progress that were submitted to us before 5 July 2019 are managed with our previous conveyancers, Moore Blatch LLP. They can be contacted by emailing

Please see our Solicitors Fee Structure document for all information about the fees and charges that apply.