Useful Documents

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

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

Application documents

Document

Purpose

Audience

All About ZephyrEverything you need to know about Zephyr Homeloans in one handy document.Brokers only
Case studiesTake a look at our real life cases to see how we can helpBrokers and customers
Product RangeView full details of our product range hereBrokers only
Application Submission GuideChecklist of our requirements for each application typeBrokers only
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 PrincipalBrokers and customers
Limited Company Additional Applicants FormRequired to be completed when there are 3+ applicants for a Limited CompanyBrokers and customers

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
Business Plan

 

Cash Flow Summary

Portfolio Overview

BTL Hub sample spreadsheet

These forms must be completed by all borrowers  with 4 or more properties in their portfolio, under PRA rulesBrokers 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
Identity and Address Verification FormDetails acceptable documentation and certification requirementsBrokers and customers
Packaging Guide
Guidance for key partners on our rules and lending criteriaBrokers only
Underwriting GuideDocument highlighting key policy rules and lending criteriaBrokers only

Registration and Login Guide

Selecting a Mortgage Club guide

Provides guidance around the use of our Online PortalBrokers only
Accountants CertificateTo be passed to the Accountant for completionBrokers and customers

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
Key PartnersView our approved panel of clubs, networks and packagers, together with contact details for each firmBrokers
Complaint HandlingInformation about our complaints handling process.Brokers and customers
Direct Debit MandateStandard DD form for customers to complete as part of their applicationBrokers and customers
Mortgage and Loan Terms & ConditionsGeneral terms and conditions for all Zephyr Homeloans productsBrokers and customers
Conveyancing Information FormTo notify us how your client will be legally representedBrokers and customers
Solicitors Fee StructureFind a detailed overview of the various costs that could apply to your caseBrokers and customers
Customer Privacy NoticeAn explanation of how we collect, use, store and protect personal information about applicants/customers.Brokers and customers
Intermediary Privacy NoticeAn explanation of how we collect, use, store and protect personal information about intermediaries.Brokers
Cookies PolicySpecific information about cookies and how they are used by this websiteBrokers and customers