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
Rates & criteria | ||
Document | Purpose | Audience |
| NEW Packager Exclusive | View the new product range | Packagers only |
| Product Range | View full details of our product range here | Brokers only |
| Why choose Zephyr? | To find out more about us | Brokers only |
| All About Zephyr | Key information about our products, criteria and service | Brokers only |
| Underwriting Guide | Document highlighting key policy rules and lending criteria | Brokers only |
| Application Submission Guide | Checklist of our requirements for each application type | Brokers only |
DIPs & application forms | ||
Document | Purpose | Audience |
| Individual/s Application Form | Application form for an individual customer | Brokers and customers |
| Individual/s Decision In Principle | Application form for a Decision In Principal | Brokers and customers |
| Additional Applicants Form | Required to be completed when there are 3+ applicants | Brokers and customers |
| Limited Company Application Form | Application form for a Limited Company | Brokers and customers |
| Limited Company Decision In Principle | Application form for a Decision In Principle | Brokers and customers |
| Limited Company Additional Applicants Form | Required to be completed when there are 3+ applicants for a Limited Company | Brokers and customers |
Portfolio application forms | ||
Document | Purpose | Audience |
| Portfolio Overview Spreadsheet | This form must be completed if a borrower is applying for a mortgage on more than one property with Zephyr | Brokers only |
| Business Plan
| These forms must be completed by all borrowers with 4 or more mortgaged properties in their portfolio, under PRA rules | Brokers and customers |
| 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 | Brokers only |
Supporting documents | ||
Document | Purpose | Audience |
| Customer Declaration | Borrower/s sign this form to confirm the details supplied are accurate | Brokers and customers |
| Director Declaration | Director/s sign this form to confirm the details supplied are accurate | Brokers and customers |
| Offer Extension Declaration | This form must be completed if an offer extension is required | Brokers and customers |
| Tariff of Mortgage Charges | Details of all fees that apply over the term of the mortgage from application | Brokers and customers |
| Income/Expenditure Information Form | Can be used where personal income is being used to support an application | Brokers and customers |
| ID&V – Identity and Address Verification Form | Details acceptable documentation and certification requirements | Brokers and customers |
| Accountants Certificate | To be passed to the Accountant for completion | Brokers and customers |
Guides | ||
Document | Purpose | Audience |
| TOP TIPS: HMO Fact sheet | All you need to know about HMOs | Brokers and customers |
| TOP TIPS: Portfolio Guide | All you need to know about portfolio case submissions | Brokers only |
| TOP TIPS: Top Slicing support | Find out more about our top slicing policy | Brokers only |
| Case studies | Read our real life case studies | Brokers and customers |
| Broker testimonials | What brokers say about us… | Brokers only |
| Key Partners | View our approved panel of clubs, networks and packagers, together with contact details for each firm | Brokers only |
| BTL Hub – Quick Start Guide | This user guide will give you all the basic information you need to start working with BTL Hub | Brokers only |
| Registration and Login Guide | Provides guidance around the use of our Online Portal | Brokers only |
Legal and completion documents | ||
Document | Purpose | Audience |
| Intermediary Terms of Business | The Terms of Business that all brokers must agree to in order to submit cases to us | Brokers only |
| Approved Valuers Panel and Fees | A list of our approved Valuers panel members, an outline of the process and fees charged | Brokers and customers |
| Complaint Handling | Information about our complaints handling process | Brokers and customers |
| Direct Debit Mandate | Standard DD form for customers to complete as part of their application | Brokers and customers |
| 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 | Brokers and customers |
| 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 | Brokers and customers |
| Conveyancing Information Form | To notify us how your client will be legally represented | Brokers and customers |
| Customer Privacy Notice | An explanation of how we collect, use, store and protect personal information about applicants/customers | Brokers and customers |
| Intermediary Privacy Notice | An explanation of how we collect, use, store and protect personal information about intermediaries | Brokers only |
| Cookies Policy | Specific information about cookies and how they are used by this website | Brokers and customers |