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The HMO Mortgage Broker

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

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Zephyr Homeloans HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • Yes:First-time landlordsFirst-time landlords considered for HMO mortgages.
  • Yes:No property experience needed
  • No:Adverse credit consideredStandard credit requirements apply.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Zephyr Homeloans and their HMO mortgage services.

What are Zephyr Homeloans's HMO mortgage rates?

Zephyr Homeloans publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Zephyr Homeloans's borrower criteria?

Zephyr Homeloans accepts first-time landlords. Good credit history is typically required. Minimum age: 18 years, maximum age: 85 years.

Does Zephyr Homeloans accept intermediary applications?

Zephyr Homeloans accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Zephyr Homeloans offer?

Zephyr Homeloans offers Hmo Mortgages, Hmo Remortgages, Portfolio, Large. Contact us to discuss your specific requirements and find the best solution for your property investment needs.