Useful Documents

A range of documents available to download, that are intended for mortgage intermediaries and their customers.

We also have a selection of Frequently Asked Questions available here.

If you cannot find the material you need, please contact us

Document name Description
Product Range View full details of our product range here
Why choose Zephyr? To find out more about us
All About Zephyr  Key information about our products, criteria and service
Underwriting Guide Document highlighting key policy rules and lending criteria
Application Submission Guide Checklist of our requirements for each application type

Document name  Description 
Individual/s Application Form Application form for an individual customer
Individual/s Decision In Principle Application form for a Decision In Principal
Additional Applicants Form Required to be completed when there are 3+ applicants
Limited Company Application Form Application form for a Limited Company
Limited Company Decision In Principle Application form for a Decision In Principle
Limited Company Additional Applicants Form Required to be completed when there are 3+ applicants for a Limited Company

Document name Description
BTL Hub spreadsheet The BTL Hub spreadsheet should be used to provide background details where an applicant will own 4 or more mortgaged properties at completion, not necessarily as part of their portfolio with Zephyr. See our Submitting Business page for more information, including how to upload it to the BTL Hub
Business Plan

Cash flow Summary

These forms must be completed by all borrowers with 4 or more mortgaged properties in their portfolio, under PRA rules
Portfolio Overview Spreadsheet To be used if the client is applying for a mortgage on more than one property with Zephyr.

Note: This is not the form to be used with Core Logic's BTL Hub (see above)

Document name Description
Customer Declaration Borrower/s sign this form to confirm the details supplied are accurate
Director Declaration Director/s sign this form to confirm the details supplied are accurate
Offer Extension Declaration This form must be completed if an offer extension is required
Tariff of Mortgage Charges Details of all fees that apply over the term of the mortgage from application
Income/Expenditure Information Form Can be used where personal income is being used to support an application
ID&V - Identity and Address Verification Form Details acceptable documentation and certification requirements
Accountants Certificate To be passed to the Accountant for completion

Document name Description
TOP TIPS: HMO Fact sheet All you need to know about HMOs
TOP TIPS: Portfolio Guide All you need to know about portfolio case submissions
TOP TIPS: Top Slicing support Find out more about our top slicing policy
Case studies Read our real life case studies
Broker testimonials What brokers say about us...
Zephyr Solicitor Panel List View our list of solicitors currently active on Lender Exchange who are authorised to undertake individual cases on the Zephyr panel
Key Partners View our approved panel of clubs, networks and packagers, together with contact details for each firm
BTL Hub - Quick Start Guide This user guide will give you all the basic information you need to start working with BTL Hub
Registration and Login Guide

Selecting a Mortgage Club guide

Provides guidance around the use of our Online Portal

Document name Description
Intermediary Terms of Business The Terms of Business that all brokers must agree to in order to submit cases to us
Approved Valuers Panel and Fees A list of our approved Valuers panel members, an outline of the process and fees charged
Complaint Handling Information about our complaints handling process
Direct Debit Mandate Standard DD form for customers to complete as part of their application
2020 Mortgage Conditions  These are the Terms and Conditions that apply for customers who received a mortgage offer from 24 November 2020 onwards, with reversion rates linked to the Bank of England Base Rate
2017 Mortgage Conditions These are the Terms and Conditions that apply for customers who received a mortgage offer on or before 23 November 2020, with reversion rates linked to LIBOR
Conveyancing Information Form To notify us how your client will be legally represented
Customer Privacy Notice An explanation of how we collect, use, store and protect personal information about applicants/customers
Intermediary Privacy Notice An explanation of how we collect, use, store and protect personal information about intermediaries
Cookies Policy Specific information about cookies and how they are used by this website

 

For further information take a look at our Videos and & Guides page, which provides a range of helpful videos and top tips on submitting business, along with wider industry insights from our expert partners.