Zephyr Homeloans is cutting rates on its two and five-year mortgage products.

The specialist buy-to-let lender said that it is offering the following for properties with an A to C-rated energy performance certificate (EPC):

• 3.14% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 4.69% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 3.14% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 4.69% on a five-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 3.29% on a two-year, fixed rate, mortgage for HMOs (houses of multiple occupancy) and MUFBs (multi-unit freehold blocks) up to 65% LTV, with a 7% fee
• 4.79 % on a five-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee.

Zephyr is offering the following rates for properties with an EPC rating of D or E:

• 3.24% on a two-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee
• 4.74% on a five-year, fixed rate, standard mortgage up to 65% LTV, with a 7% fee

• 3.24% on a two-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee

• 4.74% on a five-year, fixed rate, mortgage for new builds and flats above commercial properties up to 65% LTV, with a 7% fee
• 3.39% on a two-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee
• 4.84% on a five-year, fixed rate, mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee.

Zepher’s fixed rate mortgage products are also available with a 0% or 3% fee option.

Andrew Rowe, head of sales at Zephyr Homeloans, said: “We’re pleased to be able to support brokers and their landlord customers further with these new reductions.”

Zephyr said that