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 ExclusiveView the new product rangePackagers only
Product RangeView full details of our product range hereBrokers only
Why choose Zephyr?To find out more about usBrokers only
All About ZephyrKey information about our products, criteria and serviceBrokers only
Underwriting GuideDocument highlighting key policy rules and lending criteriaBrokers only
Application Submission GuideChecklist of our requirements for each application typeBrokers only

DIPs & application forms

Document

Purpose

Audience

Individual/s Application FormApplication form for an individual customerBrokers and customers
Individual/s Decision In PrincipleApplication form for a Decision In PrincipalBrokers and customers
Additional Applicants FormRequired to be completed when there are 3+ applicantsBrokers and customers
Limited Company Application FormApplication form for a Limited CompanyBrokers and customers
Limited Company Decision In PrincipleApplication form for a Decision In PrincipleBrokers and customers
Limited Company Additional Applicants FormRequired to be completed when there are 3+ applicants for a Limited CompanyBrokers and customers

Portfolio application forms

Document

Purpose

Audience

Portfolio Overview SpreadsheetThis form must be completed if a borrower is applying for a mortgage on more than one property with ZephyrBrokers only
Business Plan

 

Cash flow Summary

These forms must be completed by all borrowers with 4 or more mortgaged properties in their portfolio, under PRA rulesBrokers 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 informationBrokers only

Supporting documents

Document

Purpose

Audience

Customer DeclarationBorrower/s sign this form to confirm the details supplied are accurateBrokers and customers
Director DeclarationDirector/s sign this form to confirm the details supplied are accurateBrokers and customers
Offer Extension DeclarationThis form must be completed if an offer extension is requiredBrokers and customers
Tariff of Mortgage ChargesDetails of all fees that apply over the term of the mortgage from applicationBrokers and customers
Income/Expenditure Information FormCan be used where personal income is being used to support an applicationBrokers and customers
ID&V – Identity and Address Verification FormDetails acceptable documentation and certification requirementsBrokers and customers
Accountants CertificateTo be passed to the Accountant for completionBrokers and customers

Guides

Document

Purpose

Audience

TOP TIPS: HMO Fact sheetAll you need to know about HMOsBrokers and customers
TOP TIPS: Portfolio GuideAll you need to know about portfolio case submissionsBrokers only
TOP TIPS: Top Slicing supportFind out more about our top slicing policyBrokers only
Case studiesRead our real life case studiesBrokers and customers
Broker testimonialsWhat brokers say about us…Brokers only
Lender Exchange Panel ListView our list of solicitors currently active on Lender Exchange who are authorised to undertake individual cases on the Zephyr panelBrokers only
Key PartnersView our approved panel of clubs, networks and packagers, together with contact details for each firmBrokers only
BTL Hub – Quick Start GuideThis user guide will give you all the basic information you need to start working with BTL HubBrokers only
Registration and Login Guide

Selecting a Mortgage Club guide

Provides guidance around the use of our Online PortalBrokers only

Legal and completion documents

Document

Purpose

Audience

Intermediary Terms of BusinessThe Terms of Business that all brokers must agree to in order to submit cases to usBrokers only
Approved Valuers Panel and FeesA list of our approved Valuers panel members, an outline of the process and fees chargedBrokers and customers
Complaint HandlingInformation about our complaints handling processBrokers and customers
Direct Debit MandateStandard DD form for customers to complete as part of their applicationBrokers and customers
2020 Mortgage ConditionsThese 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 RateBrokers and customers
2017 Mortgage ConditionsThese 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 LIBORBrokers and customers
Conveyancing Information FormTo notify us how your client will be legally representedBrokers and customers
Customer Privacy NoticeAn explanation of how we collect, use, store and protect personal information about applicants/customersBrokers and customers
Intermediary Privacy NoticeAn explanation of how we collect, use, store and protect personal information about intermediariesBrokers only
Cookies PolicySpecific information about cookies and how they are used by this websiteBrokers and customers