Zephyr Homeloans has cut rates on most of its products by five to 10 basis points (bps).

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

• 3.59% 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
• 3.79% 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
• 4.89% on a five-year, fixed-rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee

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

• 3.69% 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
• 3.89% on a two-year, fixed-rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee
• 4.94% on a five-year, fixed-rate mortgage for HMOs and MUFBs up to 65% LTV, with a 7% fee

Paul Fryers (pictured), managing director at Zephyr Homeloans, said: “By reducing the rates on the majority of our mortgage products we’re providing brokers with a wider range of tools to help find the best deal for their landlord customers.”