Zephyr Homeloans has announced rate cuts across its two and five-year fixed rate mortgage products for the second time in 2025.

The lender, which focuses on the professional landlord segment, confirmed reductions across a range of products, including those aimed at properties with strong energy performance, new builds and more complex assets such as houses in multiple occupation (HMOs) and multi-unit freehold blocks (MUFBs).

Zephyr is offering a rate of 2.94% on two-year fixed standard mortgages up to 65% loan-to-value (LTV) for properties with an A to C-rated energy performance certificate (EPC), with a 7% fee. The same rate applies to new builds and flats above commercial premises within the same EPC band. Five-year fixed products for these categories are now available at 4.64%.

For HMOs and MUFBs with an EPC rating of A to C, the two-year fixed rate is 3.09% with the five-year product set at 4.74%, again both at up to 65% LTV with a 7% fee.

For landlords investing in properties with a D or E EPC rating, the rates remain competitive. Two-year fixed standard mortgages are priced at 3.04%, while five-year fixes are at 4.69%. New builds and flats above commercial properties carry the same pricing. HMOs and MUFBs in this EPC band are available at 3.19% and 4.79% for two- and five-year fixes respectively.

In addition to its standard 7% fee option, Zephyr confirmed that its fixed rate products can also be accessed with alternative fee structures of 0% or 3%, offering landlords more flexibility depending on their borrowing strategy and upfront cost considerations.

Andrew Rowe (pictured), head of sales at Zephyr Homeloans, said: “We’re pleased again to be able to provide reductions for brokers to offer to their landlord customers.”