Portfolio Applications
At Zephyr, we welcome portfolio applications. In fact, as a specialist BTL lender, portfolios are our bread and butter and can provide a bespoke service for the landlord’s individual needs! Take a look at this example of a case we did in 2022 for 58 properties totalling £13m, and if you have a large portfolio, get in touch – we’d love to help!
If you are ready to submit a portfolio case to us, there are additional documents and forms that need to be completed as part of the case submission. If you’re not sure what you need to send, please get in touch with our friendly team. We’re here to help.
Background information on portfolios
If a client owns 4 or more mortgaged properties at completion (not necessarily as part of their portfolio with Zephyr), then additional background information on their residential BTL property portfolio is required, regardless whether they are owned as an individual or Limited Company. Details of commercial properties are not required.
All the details we need are on our BTL Hub spreadsheet.
 | Once completed, the form needs to be uploaded on Core Logic’s BTL Hub (formerly called eTech). This method, also used by other lenders, is quick and simple to use and enables checks to be done. For help with using Core Logic’s BTL Hub, download the Quick Start User Guide. |
Business plan and cash flow summary
A Business Plan and Cash Flow Summary must be completed and submitted as part of the application in all cases where the borrower will have (or already has) 4 or more mortgaged properties in their portfolio. This is a requirement under PRA rules.
Portfolio of properties to have mortgages with Zephyr
If your client is applying for a mortgage on more than one property with Zephyr, our Portfolio Overview Spreadsheet must be completed to provide details of each property that is part of the application.
Support with your application
Remember, if you’re not sure what you need to send, please get in touch with our friendly team. We’re here to help. |