Zephyr Homeloans has announced reductions of 30 basis points (bps) across its five-year fixed-rate mortgage products.

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

• 5.29% on its five-year fixed-rate standard BTL mortgage products (65% LTV).
• 5.29% on its BTL mortgage product for new builds and flats above commercial properties (65% LTV).
• 5.59% on its five-year fixed rate BTL mortgage product for houses in multiple occupancy and multi-unit freehold blocks (65% LTV).

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

• 5.39% on its five-year fixed-rate standard BTL mortgage products (65% LTV).
• 5.39% on its BTL mortgage product for new builds and flats above commercial properties (65% LTV).
• 5.69% on its five-year fixed-rate BTL mortgage product for houses in multiple occupancy and multi-unit freehold blocks (65% LTV).

Zephyr added that it provided multiple product fee options to provide landlords with increased flexibility.

Paul Fryers, managing director at Zephyr Homeloans said: “Landlords are currently experiencing the effects of higher interest rates and are also having to provide higher deposits.

“By lowering our lending rates, we’re enabling brokers to better support their BTL landlord clients’ needs.”