Here you can download all the documents you need to submit an application, and there are also some other documents and guides you may find useful. If you are unsure about what document you need for an application, you can review our Application Submission Guide. Alternatively, get in touch with one of our team.
We also have a selection of Frequently Asked Questions available here.
Product, criteria and application submission guides
| Document name | Description |
| Product Range | Full details of our product range. You can also see a summary of our products here |
| All About Zephyr | Summary of our lending criteria/service |
| Underwriting Guide | Detailed overview of key policy rules and lending criteria |
| Application Submission Guide | Checklist of our requirements for each application type |
DIPs & application forms
Note: DIPs and applications are submitted via our Portal. We have included these application documents so that you can run through the details required with your customer.
| 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 |
Application 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 |
| Direct Debit Mandate | Standard DD form for customers to complete as part of their application |
| Remortgage Within 6 Months Of Ownership Form | Required for all remortgage cases where the property purchase was within the past 6 months |
| 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 |
| Acceptable Lettings Criteria | This will be sent to customers as part of the Offer pack, but you could share it with them in advance |
| Accountants Certificate | To be passed to the Accountant for completion. Note that the Accountant needs to return it to us directly, by emailing newbusiness@zephyrhomeloans.co.uk |
Additional forms just for portfolios
| Document name | Description |
| Portfolio Information Document
| Our Portfolio Information 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 two forms must be completed by all borrowers with 4 or more mortgaged properties in their portfolio, under PRA rules |
Tips and 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 |
| 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 | Guidance around the use of our Online Portal |
| Selecting a Mortgage Club guide | Guidance around selecting a mortgage club in the Online Portal |
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. |
| Approved Valuers Panel and Fees | Our valuers panel and fees charged |
| Complaint Handling | Information about our complaints handling process |
| 2026 Mortgage Conditions (2nd Edition) | These are the Terms and Conditions that apply for customers who received a mortgage offer from 1 May 2026 onwards. |
| 2026 Mortgage Conditions | These are the Terms and Conditions that apply for customers who received a mortgage offer from February 2026 onwards. |
| 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.