Useful Documents

A range of documents available to download, that are intended for mortgage intermediaries and their customers.

If you cannot find the material you need, please contact us

Application documents

Document

Purpose

Audience

All About Zephyr Everything you need to know about Zephyr Homeloans in one handy document. Brokers only
Case studies Take a look at our real life cases to see how we can help Brokers and customers
Product Range View full details of our product range here Brokers only
Application Submission Guide Checklist of our requirements for each application type Brokers only
Individual/s Application Form Application form for an individual customer Brokers and customers
Individual/s Decision In Principle Application form for a Decision In Principal Brokers and customers
Additional Applicants Form Required to be completed when there are 3+ applicants Brokers and customers
Limited Company Application Form Application form for a Limited Company Brokers and customers
Limited Company Decision In Principle Application form for a Decision In Principle Brokers and customers
Limited Company Additional Applicants Form Required to be completed when there are 3+ applicants for a Limited Company Brokers and customers

Supporting documents

Document

Purpose

Audience

Customer Declaration Borrower/s sign this form to confirm the details supplied are accurate Brokers and customers
Director Declaration Director/s sign this form to confirm the details supplied are accurate Brokers and customers
Business Plan

 

Cash Flow Summary

Portfolio Overview

BTL Hub sample spreadsheet

These forms must be completed by all borrowers  with 4 or more properties in their portfolio, under PRA rules Brokers and customers
Tariff of Mortgage Charges Details of all fees that apply over the term of the mortgage from application Brokers and customers
Income/Expenditure Information Form Can be used where personal income is being used to support an application Brokers and customers
Identity and Address Verification Form Details acceptable documentation and certification requirements Brokers and customers
Packaging Guide
Guidance for key partners on our rules and lending criteria Brokers only
Underwriting Guide Document highlighting key policy rules and lending criteria Brokers only

Registration and Login Guide

Selecting a Mortgage Club guide

Provides guidance around the use of our Online Portal Brokers only
Accountants Certificate To be passed to the Accountant for completion Brokers and customers

Legal and completion documents

Document

Purpose

Audience

Intermediary Terms of Business The Terms of Business that all brokers must agree to in order to submit cases to us Brokers only
Approved Valuers Panel and Fees A list of our approved Valuers panel members, an outline of the process and fees charged Brokers and customers
Key Partners View our approved panel of clubs, networks and packagers, together with contact details for each firm Brokers
Complaint Handling Information about our complaints handling process. Brokers and customers
Direct Debit Mandate Standard DD form for customers to complete as part of their application Brokers and customers
Mortgage and Loan Terms & Conditions General terms and conditions for all Zephyr Homeloans products Brokers and customers
Conveyancing Information Form To notify us how your client will be legally represented Brokers and customers
Solicitors Fee Structure Find a detailed overview of the various costs that could apply to your case Brokers and customers
Customer Privacy Notice An explanation of how we collect, use, store and protect personal information about applicants/customers. Brokers and customers
Intermediary Privacy Notice An explanation of how we collect, use, store and protect personal information about intermediaries. Brokers
Cookies Policy Specific information about cookies and how they are used by this website Brokers and customers