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 |
| 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 | 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) |
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.
