Zephyr Homeloans is reducing rates on its two-year and five-year mortgage products by 10 basis points (bps).

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

• 3.19% on a two-year, fixed rate standard mortgage up to 65% LTV, with a 7% fee
• 4.80% on a five-year, fixed rate standard mortgage up to 65% LTV, with a 7% fee
• 3.39% 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
• 5.00% 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:

• 3.29% on a two-year, fixed rate standard mortgage up to 65% LTV, with a 7% fee
• 4.85% on a five-year, fixed rate standard mortgage up to 65% LTV, with a 7% fee
• 3.49% on a two-year, fixed rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee
• 5.05% on a five-year, fixed rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee

Paul Fryers, managing director at Zephyr Homeloans, said: “We’re doing everything we can to ensure that brokers get the fastest access to new deals to help them best service their landlord customers.”

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