Post date: 9th October 2017

Our lending criteria

Zephyr Homeloans is committed to providing a range of mortgage products that are focused on meeting the needs of professional portfolio landlords and other specialist property investors.

Providing our lending criteria has been met and any information provided can be verified by our underwriters, we will consider applications for purchase or remortgage, from Individuals and Limited Companies on standard single properties, Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), New Builds and Flats above Commercial premises.

Please note – each application is considered on its merits and we do not guarantee acceptance of all cases which meet our headline criteria.

Product and criteria highlights

  • Landlords with DSS tenants accepted
  • UK permanent Right to Reside
  • Minimum of one full year’s trading required for Self employed and Contractors
  • No minimum income for Standard applications, £25K gross for professional landlords
  • Income top-ups acceptable
  • Maximum age 95 years at completion of mortgage
  • HMO’s to 6 bedrooms
  • MUFB’s – up to 6 units
  • Flats above commercial Properties
  • Ex-Local Authority & Deck Access
  • Large loan Size – up to £2,000,000
  • Up to 80% LTV
  • Unlimited background portfolio
  • Minimum property value £75k for standard houses/flats (£100K for HMOs, MUFBs and Flats above commercial properties)
  • Minor adverse considered

Latest rates and mortgage deals

For our latest mortgage deals, please download our Product Range document.