Get Expert Support for Vida Homeloans Mortgages
Specialist Support for Vida Homeloans Mortgages
Vida Homeloans is a UK specialist lender offering residential and buy-to-let mortgages. They provide high LTV, high LTI, and credit-tiered products for people with complex income or past credit issues. At Mortgage‑Tek, we connect you to Vida’s best deals and guide you through every step of the process, making it easier to secure a mortgage that fits your needs.
We work with more than 120 mortgage lenders, including
Why
Why Vida Mortgage Is a Great Option
Why Vida Mortgage Could Be the Right Fit for You
Vida Homeloans is ideal for borrowers who don’t fit standard lending criteria. Self-employed professionals, contractors, and those with non-standard or complex income benefit from their flexible approach. Manual underwriting ensures applications are assessed fairly, increasing your chances of approval.
They offer competitive rates on a range of products, including high LTV residential mortgages, buy-to-let, and credit-tiered options. Specialist products are often not available on the high street, so working with Mortgage‑Tek ensures you access the right deals efficiently.
Criteria of Vida Homeloans Mortgage
Who Can Apply for a Vida Homeloans Mortgage?
Broker Requirement
Some products can be accessed directly, but most high LTV, high LTI, and specialist products are best applied for through a broker like Mortgage‑Tek.
Age Criteria
Minimum age 18; maximum typically up to 85 years at the end of the mortgage term.
Residency Status
Must have UK residency or settled status and a verifiable UK address.
Minimum Income
Residential mortgages: No strict minimum, subject to affordability checks.
Self-Employment History
Self-employed borrowers need at least 12 months of trading history with supporting documents (SA302s, tax returns, bank statements).
Contractor Criteria
Contractors must provide current contracts, evidence of income, and trading history. Some zero-hour contracts may be considered.
Credit Profile
Flexible. Vida uses a tiered credit model to accommodate minor past credit issues. Clean credit is preferred.
Property Standards
Properties must meet Vida’s valuation and construction standards, including HMOs up to 8 bedrooms and multi-unit blocks under specific conditions.
Affordability Checks
Full affordability assessment and stress testing are required.
Loan-to-Value (LTV) & Loan-to-Income (LTI)
- High LTV options up to 97% for first-time buyers.
- High LTI lending up to 7× income for eligible borrowers.
Benefits of Securing Vida Homeloans Mortgage
Why Choose a Mortgage from Vida Homeloans?
Flexible Lending Criteria
Supports self-employed, contractors, freelancers, and those with complex income.
High LTV Options
Access residential mortgages with just a 3% deposit.
High LTI Borrowing
Borrow up to 7× income depending on profile.
Buy-to-Let Friendly
Supports individual landlords and portfolio investors.
Credit-Tiered Products
Specialist options for borrowers with past credit issues.
Long-Term Options
Mortgage terms up to 45 years available for affordability.
Partnering with Vida Homeloans
Our Role in Securing Your Vida Homeloans Mortgage
Mortgage‑Tek acts as your expert intermediary, ensuring your application meets Vida’s specialist criteria. We manage documentation, liaise with underwriters, and guide you from the initial enquiry to final approval. With our support, you save time and increase your chances of securing the mortgage that suits your circumstances.
Compare & Find the Right Mortgage For You
Compare Vida Homeloans with Other UK Mortgage Options
Mortgage Comparison
See how Vida’s specialist products compare to other high LTV, high LTI, and credit-tiered lenders.
Mortgage Quote
Get a personalised quote from Vida Homeloans via Mortgage‑Tek. We’ll assess your situation and show you what you can borrow, quickly and clearly.
BORROW
Curious About How Much You Can Borrow?
Estimate your borrowing potential with Vida Homeloans based on income, deposit, and monthly commitments. Whether you’re a first-time buyer, a landlord, or self-employed, this calculator gives a realistic starting point. No credit checks, just instant insight.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Vida Homeloans Mortgages?
We’ll help you navigate Vida’s specialist mortgage range and secure a deal that truly fits your financial situation.
Fast, clear, and personalised advice, one step closer to your new home.
FAQ’s
Can I apply directly with Vida Homeloans?
Some products allow direct applications, but most high LTV and specialist mortgages require a broker like Mortgage‑Tek to ensure the strongest application.
Does Vida accept self-employed or contractor applicants?
Yes. Vida supports complex income, self-employed individuals, and contractors with appropriate financial documentation.
What is the minimum deposit for Vida’s high LTV products?
The “3 & Easy” residential mortgage allows just a 3% deposit. Other products vary depending on credit tier and LTV.
How much can I borrow with Vida (LTI)?
Borrowing up to 7× income is possible for eligible borrowers. Lower multiples have lower minimum income requirements.
Can Vida support borrowers with past credit issues?
Yes. Their tiered credit system accommodates minor credit problems while maintaining fair underwriting.
Are long-term mortgages available?
Yes. Terms up to 45 years are available to help improve monthly affordability.
Are HMOs or multi-unit properties accepted?
HMOs up to 8 bedrooms and certain multi-unit blocks are eligible, subject to underwriting.
How does Vida assess affordability?
Full affordability checks, stress testing, and consideration of LTI, LTV, and outgoings ensure responsible lending.