Zephyr Homeloans
Specialist lender offering HMO and MUFB mortgages for properties with up to 12 bedrooms or units. Known for flexible products including two-year fixed, five-year fixed, and lifetime tracker mortgages with competitive rates.
- HMOs and MUFBs up to 12 bedrooms or units
- Up to 75% LTV
- Two-year and five-year fixed rate options

Zephyr Homeloans HMO Rates
£
Rates Coming Soon
We're currently updating our rates for Zephyr Homeloans. Check back soon or explore our current HMO mortgage options.
Borrower Criteria
Acceptable Borrowers
individual
limited Company
llp
offshore Company
Experience Requirements
First-time landlords accepted
Property investment experience required
First-time landlords considered for HMO mortgages.
Credit Requirements
Adverse credit considered
Standard credit requirements apply.
Age Requirements
Minimum age: 18 years
Maximum age: 85 years
Application Channels
Accepts intermediary applications
Accepts direct applications
Source Information
Profile last updated:
Status: Published
Recently expanded product range to include 12-bedroom HMO and MUFB mortgages. Previously limited to 6 bedrooms.
Frequently Asked Questions
Common questions about Zephyr Homeloans and their HMO mortgage services:





