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 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 |
DIPs & application forms
| 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 |
Portfolio application forms
| Document name | Description |
| Portfolio Overview Document
| Our Portfolio Overview Document is required if more than one property is being brought to Zephyr AND/OR the borrower will have 4 or more mortgaged properties in total at completion. Instructions are included on the document, but if you have any issues or need some help, please have a chat with one of our friendly Telephone BDMs or Regional Sales Managers. |
| Business Plan | These forms must be completed by all borrowers with 4 or more mortgaged properties in their portfolio, under PRA rules |
Supporting documents
| 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 |
Guides
| 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 | Provides guidance around the use of our Online Portal |
| Landlords Checklist | A checklist to help you keep track of your responsibilities, ensure you’re complying with legal requirements and help towards providing the best possible rental experience for you and your tenants. |
Legal & completion documents
| Document name | Description |
| Intermediary Terms of Business | The Terms of Business that all brokers must agree to in order to submit cases to us. Document updated August 2023 |
| 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 |
| 2022 Mortgage Conditions | These are the Terms and Conditions that apply for customers who received a mortgage offer from 17 January 2023 onwards, with reversion rates linked to the Bank of England Base Rate |
| 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.
