Vida Homeloans

Vida Homeloans is the modern mortgage lender for residential and buy to let customers who may not fit the criteria currently demanded by high street banks. Vida uses the latest technology to support and inform human decisions, providing intermediaries with a quick, efficient and reliable service.

The management team at Vida are very experienced in the mortgage industry, backed by significant private equity and have the advantage of not having any legacy systems or processes; everything is designed from scratch with you and your customer at the centre of their business.

Procuration Tables

Gross fee paid by lenderProcuration fee to intermediary

Residential 0.45%
Buy to let 0.50%

  All information correct as at 27/02/2019

Residential 0.40%
Buy to let 0.45% 

 All information correct as at 27/02/2019


Residential products range highlights

  • Recently self-employed - 1 year's verified accounts or SA302
  • Impaired and improving credit - small or life events allowable. Debt Management Plans considered
  • Borrowing in or into retirement - maximum 85 years old at end of term
  • Interest only up to 75% LTV. Part & Part up to 85% - available on any scheme
  • Buy together – up to 4 incomes considered
  • Remortgaging from bridging
  • Right to Buy purchase

Buy to let product ranges highlights

  • Rental calculation - 125% for basic rate taxpayers and limited companies. 140% for higher rate tax payers. Top up facilities available.
  • Rental calculation based on higher of product rate or 5.5%. When £ for £ remortgage notional rate of 5% applies. 5 year fix at initial pay rate
  • Limited company or SPV - available on any trading company with minimum 1 year's accounts
  • HMOs - from 2 bedrooms up to 8 bedrooms

Key criteria and service highlights 

  • Up to 100% of income from second jobs accepted
  • Cascade underwriting up and down - resulting in the right product and rate for your customer
  • Fully automated DIP and application system, including document upload and 24/7 case tracking
  • Fees can be added at all LTVs
Useful Product Guides:


1 London Road,
TW18 4EX

For enquiries

Tel: 03300 246 246

Registration process

Complete the registration here.