Specialist buy-to-let lender Zephyr Homeloans has announced a 15 basis point reduction across its full range of two-year fixed-rate mortgage products.
The new rates apply to properties with energy performance certificate ratings from A to E and are designed to support landlords investing in energy-efficient properties or more complex asset types.
For properties with EPC ratings of A to C, Zephyr is now offering a two-year fixed rate of 2.79% for both standard mortgages and those for new builds or flats above commercial premises, up to 65% loan-to-value, with a 7% fee. Mortgages for houses in multiple occupation and multi-unit freehold blocks in this EPC band are available at 2.94%, also up to 65% LTV and with a 7% fee.
For properties with EPC ratings of D or E, the two-year fixed rate is 2.89% for both standard mortgages and those covering new builds and flats above commercial premises, again up to 65% LTV with a 7% fee. HMOs and MUFBs in this lower EPC band are available at 3.04% under the same LTV and fee terms.
Zephyr also confirmed that its full range of fixed rate mortgage products is available with alternative fee options of 0% or 3%, offering greater flexibility for landlords and brokers.
Andrew Rowe, Head of Sales at Zephyr Homeloans, said, “We’re continuing to fund competitive rates that enable brokers to offer even greater value to their landlord clients.”
