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Default Nesting an additional formula in an IF statement

I have an existing calculation in a column, when I drag the formula down - I
rec'v a #DIV/O - I need to insert a "Serror" in my existing formula but
unsure how to complete this?
My formula: In M5
=IF((H5/E5)=0,0%,(H5/E5)-1)
My formula works great, but I want it to show a blank cell (or 0%) so I can
use the sum of M5:M66 in another cell to show an average =AVERAGEA(M5:M66)
without rec'v a #DIV/0 (error)
Many thanks!!
 
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