Zephyr Homeloans has reduced its rates on two- and five-year mortgage products by up to 10 basis points while TSB has made rate changes across residential, buy-to-let (BTL), product transfer and additional borrowing ranges, both effective today.
For properties with an A to C-rated energy performance certificate (EPC), Zephyr Homeloans is offering a 3.19% on a two-year, fixed rate standard mortgage up to 65% loan-to-value (LTV), with a 7% fee.
It is also offering a 5.00% on a five-year, fixed rate mortgage for houses of multiple occupancy and multi-unit freehold buildings up to 65% LTV with a 7% fee.
For properties with an EPC rating of D or E, the lender is offering a 4.85% on a five-year, fixed rate standard mortgage up to 65% LTV, with a 7% fee.
It is also offering a 3.49% on a two-year, fixed rate mortgage for HMOs and MUFBs up to 65% LTV with a 7% fee.
The lender says its fixed rate mortgage products are also available with a 0% or 3% fee option.
Zephyr Homeloans managing director Paul Fryers says: “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.”
Meanwhile, TSB has made rate increases and cuts across multiple ranges.
The lender has increased its product transfer BTL two- and five-year fixed 0% to 75% LTV by up to 0.30% while residential two-year fixed 80% to 85% LTV rates have been reduced by 0.15%.
Within its additional borrowing range, TSB has increased its BTL two- and five-year fixed rates by up to 0.30%, while residential two-, three- and five-year fixed rates have gone up by 0.15%.
It has reduced rates on its BTL range including its two-year fixed house purchase and remortgage 0% to 60% LTV rates, which have gone down by 0.10%.
It has also reduced its five-year fixed remortgage 0% to 60% LTV rates, which have been lowered by 0.10%.
