More than ever before, borrowers need a lender that will react and respond when they are faced with financial complexity. Vida Homeloans is the mortgage lending specialist with a clear focus on helping more customers in their home ownership journey, unravelling complex situations, and making the process clear and simple.
Working exclusively with expert intermediary partners such as Impact Packaging, Vida Homeloans combines cutting-edge technology with skilled and caring people to deliver an efficient and differentiated customer experience. With over 11,000 customers Vida has lent over £2.1bn since launching in 2015, and has continued to invest in technology, people, and processes in order to deliver a market leading proposition that helps more people with a wider range of home buying needs.
Residential Products
- Residential Up to 85% LTV available (including new build, key workers)
- Key Workers up to 5.5x Loan to Income
- Help to Buy available in England and Wales
- Impaired credit and low credit scores – minor unsecured arrears in last 6 months up to 80% LTV
- Ex-Local Authority flats with deck access in blocks above 4 storeys with more than 50 units
- DMPs, CCJ’s and secured arrears considered
- First Time Buyers and Self Employed (inc Contractors) welcomed
- Flex and Fee Saver range available across all tiers
Buy to Let Products
- Buy to let Up to 85% LTV available
- Professional Landlords Unlimited portfolio size
- First Time Buyers/First Time Landlords considered
- Specialist properties flats above/adjacent commercial, New Build, Ex LA
- Maximum 20 properties and up to 4m with Vida
- No minimum income when application is self-funding
- 140% for higher rate taxpayers
- Day 1 SPVs accepted across the whole BTL range
- HMO/Student Lets and MUBs allowed
- Expats accepted existing property owners living or working in selected worldwide and EEA countries
To discuss Vida Homeloans call our sales team on 01403 272625 or email
sales.team@impactsf.co.uk
