Existing customers

We love having you as our customer and we are here to help and support you every step of the way. If you’ve already got a mortgage with Vida and would like to chat, you can call our friendly customer service team on 0344 892 0155 as we would love to speak to you.

Or you can login to your online mortgage service

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Please note that on 26.11.24 Belmont Green Finance Limited (company registration number 09837692) changed its name to Vida Bank Limited. Vida Bank Limited continues to trade as Vida Homeloans, and there are no changes to your loan terms and conditions or servicing.

Login to your online mortgage service


If you have a Residential or Buy to Let mortgage (this service is not currently available for Limited Company customers. if you have a Limited Company account you can call us on 0344 8920155 or write to us at: Second Floor, 1 Belle Vue Square , Broughton Road , Skipton, North Yorkshire, BD23 1FJ.) you can also login to your online mortgage service to:

  • Check your mortgage balance
  • See the date of your next statement
  • Make a payment
  • Contact our Customer Service team
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Switching to a new Product


If you’ve got a Vida Homeloans mortgage and you’re interested in changing your product, we’ve made switching easy.

You can select a new mortgage deal up to 6 months before your initial term comes to an end. Or if your current deal has come to an end.

We’ve made switching easy.

Who can switch online?

  • You are in the last six months of your current deal.
  • Or your initial deal has ended and you are on a variable rate.
  • Your account has no mortgage arrears.
  • To review all of the eligibility criteria please see our Product Switch FAQ Section.

     

The current rates are: Vida Variable Rate (VVR) - 6.05% (effective 1st September 2025)
Libor Replacement Rate (LRR) - 4.35% (effective 1st July 2025)

Visit the Product Switch Hub
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Your mortgage documents

We’ve placed our most commonly used documents below to make your life easier.
If you can't find the document you need, or for anything else, please contact us on 0344 892 0155.

 

🗎 Residential Mortgage and Loan Terms and Conditions 2018 (E&W) - applicable for all customers that completed before 1 April 2024

🗎 Residential Mortgage and Loan Terms and Conditions 2024 (E&W) - applicable for all customers completing on or after 1 April 2024

🗎 Residential Mortgage and Loan Terms and Conditions 2018 (Scotland) - applicable for all customers that completed before 1 April 2024

🗎 Residential Mortgage and Loan Terms and Conditions 2024 (Scotland) - applicable for all customers completing on or after 1 April 2024

🗎 Buy to Let Mortgage and Loan Terms and Conditions 2019 (E&W) - applicable for all customers that completed before 1 April 2024

🗎 Buy to Let Mortgage and Loan Terms and Conditions 2024 (E&W) - applicable for all customers completing on or after 1 April 2024

🗎 Buy to Let Mortgage and Loan Terms and Conditions 2019 (Scotland) - applicable for all customers that completed before 1 April 2024

🗎 Buy to Let Mortgage and Loan Terms and Conditions 2024 (Scotland) - applicable for all customers completing on or after 1 April 2024

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Payments and Fees

When it comes to making your monthly mortgage payments and the payment of any fees, we’ve provided all the information you might need below.

We’ll take payments by Direct Debit from the current account that you confirmed to us when applying for your mortgage. If you need your payments to be paid from a different bank account, please call us on 0344 892 0155 so that we can make the necessary arrangements to change these details.

To make life easier for you, we can complete a new Direct Debit instruction over the telephone, or you can download a 🗎 Direct Debit Mandate here if you prefer and return it to us in the post.

Your original Direct Debit payment date is set to the date of when your mortgage completed with us, to ensure there is enough time for us to set the Direct Debit up with your bank and collect your first payment. You may choose to change your payment date to any other date in the month from the 1st to the 28th, if you wish to change your payment date after your first payment has been collected please contact us and we can change this for you.

You can call us directly to make a payment using our automated service, or you can speak to one of our colleagues and they will process the payment for you.

Or you can access your online account and make a payment directly. The payment will be applied to your mortgage account immediately.

Please contact us to obtain the correct bank details to use.

Please ensure you quote your mortgage account number as a reference when sending payments through your bank, if you do not quote your mortgage account number there could be a delay in processing your payment. Your mortgage account number can be found on any correspondence from us to you.

Standing orders can take around 2 working days to arrive, if your payment date is at the end of a month your payment may not be processed until the following month. This may lead to your account being in arrears which will impact your credit rating and could result in fees and additional interest charges, please choose an alternative payment method to avoid this situation.

Please post your cheque to Vida Homeloans,
Gateway House,
Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL.

Please ensure you quote your mortgage account number as a reference on the reverse of the cheque, if you do not quote your mortgage account number there could be a delay in processing your payment.

Cheques can take around 5 working days to arrive and process if you are sending a cheque towards the end of a month your payment may not be processed until the following month. This may lead to your account being in arrears which will impact your credit rating and could result in fees and additional interest charges, please choose an alternative payment method to avoid this situation.

Please note if you are making payments in addition to your monthly mortgage payment and your account is not in arrears, you may incur early repayment charges. Please refer to your terms and conditions, if you need help to understand your options please contact us.

Fees

Throughout the life of your mortgage we may need to charge you a fee if you need us to change anything with your mortgage, or you request an additional service from us. We have therefore listed all our fees in our Tariff of Mortgage Charges booklet which can be found here: 🗎 TARIFF OF MORTGAGE CHARGES.

Please note, any unpaid fees will be added to your mortgage balance which means you will be charged additional interest on these fees. You can contact us to pay your fees at any time.