Zephyr Homeloans has made rate reductions on its two and five-year mortgage products by 0.20% and 0.29% respectively. The lender is now offering two- and five-year fixes for properties with A-C EPC ratings at 3.24% and 4.30% respectively on standard mortgages. For HMO/MUFB fixes, rates start at 3.44% for two-year mortgages and at 4.50% for five-year fixes on properties with A-C EPC ratings. On properties with D-E EPC ratings, rates start from 3.34% and 4.35% on two- and five-year standard fixes respectively, while for HMO/MUFBs, rates start at 3.54% and 4.55% respectively. All products are available up to 65% LTV with a 7% fee.

Atom bank has appointed two new apprentices to work within its commercial lending intermediary team. Claire Edgely, who is already employed at the app-only bank, moves from her previous role as people operations assistant in the people experience team. Prior to this, she spent a year and a half in the bank’s customer service department. Jordan Butler joins Atom from primary education, where he spent the last five years as a learning support assistant. Both will take part in a 15-month apprenticeship, delivered by Kaplan, and upon completion, will attain the professional banking certificate from the Chartered Banking Institute, as well as becoming telephone business development managers in Atom’s commercial lending team.

Buy to Let by Foundation has announced a series of rate cuts by up to 0.5% on its core range, with product rates now starting from 5.29%. Rates have been cut across its three core buy-to-let F1 – for clients with an almost clean credit rating, F2 – for clients financing a more specialist property type or those with some credit rating blips, and F3 – for clients with more recent credit blips. F1 and F2 two- and five-year fixed-rates have been reduced by up to 0.35% respectively, with products now available from 5.29% with a 1.5% fee up to 80% LTV, while F2 holiday Lets two- and five-year fixed-rates now available up to 75% LTV, from 6.19% with a 2% fee. Buy to Let by Foundation’s F2 HMO Limited Edition five-year fixed-rate is now available at 5.74% with a reduced £2,995 fee (previously £4,995) up to 75% LTV.

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