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