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
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 Cash flow Summary	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
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	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 Selecting a Mortgage Club 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