Zephyr Homeloans

Lender Documents

Proc Fee

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.85%	0.45%	0.22%

Introducing Zephyr Homeloans

Zephyr Homeloans is a new dedicated buy-to-let lender, providing a range of mortgage products that are focused on meeting the needs of professional property investors.

We understand that the buy-to-let market is evolving and becoming more complex, especially regarding tax rules and regulations. At Zephyr Homeloans, we aim to support intermediaries by staying one step ahead of the market, offering proactive guidance and providing mortgage solutions that will help you meet the needs of your clients.

Our background

Zephyr Homeloans is a trading name of Topaz Finance Limited, an FCA regulated mortgage lender based in the UK that has been operating since 2006. Topaz looks after the mortgages of over 100,000 customers under a range of different trading names.

Topaz is a business owned by the Computershare group – a global leader in financial services administration, working with some of the world’s leading organisations to provide a wide range of financial and governance solutions, including mortgage origination, credit management and customer services.

So, although Zephyr Homeloans is a new name in the mortgage market, our unrivalled depth of industry experience means you can be confident we will deliver the quality service you and your customers expect.

Product and Criteria Highlights

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 £100K HMO, £75K standard properties
Minor adverse considered