Zephyr Homeloans has announced a significant cut to their fixed-rate mortgage products!

This could be the perfect opportunity to lock in a great deal, especially if you’ve been waiting for rates to fall.

Here’s what you need to know:

For energy-efficient homes (EPC rating A-C):

• 2-year fixed-rate: Reduced by 0.20% to 3.24% (65% LTV, 7% fee)
• 5-year fixed-rate: Reduced by 0.29% to 4.30% (65% LTV, 7% fee)

For homes with lower energy ratings (EPC rating D or E):

• 2-year fixed-rate: 3.34% (65% LTV, 7% fee)
• 5-year fixed-rate: 4.35% (65% LTV, 7% fee)

Special Rates for Landlords

Zephyr hasn’t forgotten about landlords! There are competitive rates available for Houses in Multiple Occupancy (HMOs) and Multi-Unit Freehold Blocks (MUFBs).

For example, if your property has an A-C EPC rating, you could secure:

• 2-year fixed-rate: 3.44% (65% LTV, 7% fee)
• 5-year fixed-rate: 4.50% (65% LTV, 7% fee)

More Choice for Borrowers

If you’d prefer to avoid upfront fees, Zephyr also offers fixed-rate mortgages with 0% or 3% fee options.

Paul Fryers, Managing Director at Zephyr Homeloans, commented: “We’re very pleased to provide further reductions in the current dynamic market on deals that will enable brokers to source the best mortgage to suit their landlord clients’ needs.”