Introducing our new triple scoop of Buy to Let

We’ve created three fresh flavours of Buy to Let. Whether your client is investing in a UK holiday home, has inherited or been gifted a property, or needs help renting before buying or moving abroad — there’s a flavour for them.

Go straight to Buy to Let Products

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Why Vida?

New New Holiday Buy to Let product range

Invest in a UK holiday home with our new Holiday Buy to Let product range

New Consumer Buy to Let product range

Client inherited or been gifted a property? See our new Consumer Buy to Let product range

Flexible Criteria

From Portfolio landlords to Expats to HMOs — We’ve Got BTL Covered. Search our BTL criteria.

Service Excellence

Service excellence or we'll refund the administration fee. Our Service Pledge is as simple as that.

Buy to Let Mortgage Products

Whether it’s a UK holiday let, an inherited property, or a stepping stone before buying or moving abroad — we’ve got it covered. From first-time landlords to expats, HMOs, Consumer BTLs, Let to Move, and Limited Company SPVs, we’re ready to support your specialist BTL clients.

Limited Editions

2 year fixed

Available for both purchase and remortgages.
Please note: Limited Editions have a restricted tranche size and may, therefore, be withdrawn at short notice.

Product Type	LTV	Tier	Initial rate	Fee	Min loan	Max loan
Standard Limited Edition	65%	Vida 36	3.02%	4%	£150k	£2m
	75%	Vida 36	3.50%	4%
	75%	Vida 36	2.67%	5%
HMO/MUB Limited Edition	75%	Vida 36	3.75%	4%	£150k	£2m
HMO/MUB Limited Edition	75%	Vida 36	2.97%	5%	£150k	£2m

ERCs

2 year
4% until 30/06/2027
3% until 30/06/2028

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

2 year - 30/06/2028

5 year fixed

Available for both purchase and remortgages.
A minimum term of 6 years is required.
Please note: Limited Editions have a restricted tranche size and may, therefore, be withdrawn at short notice.

Product Type	LTV	Tier	Initial rate	Fee	Min loan	Max loan
Standard Limited Edition	75%	Vida 36	3.58%	7%	£150k	£2m
	75%	Vida 36	4.32%	4%		£2m
	80%	Vida 36	4.85%	4%		£750k
HMO / MUB Limited Edition	75%	Vida 36	3.98%	7%	£150k	£2m
	75%	Vida 36	4.63%	4%		£2m
	80%	Vida 36	5.21%	4%		£750k

ERCs

5 year
5% until 30/06/2027
5% until 30/06/2028
4% until 30/06/2029
3% until 30/06/2030
2% until 30/06/2031

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

5 year - 30/06/2031

Standard Range

2 year fixed

Standard - 2 year fixed rate
Available for both purchase and remortgages.

Product type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback Standard	75%	Vida 36	4.64%	2%	£2m	£500
Standard	75%	Vida 36	4.52%	2%	£2m	n/a
		Vida 24	4.62%
		Vida 6	5.28%
		Packager	5.99%
Standard	80%	Vida 36	4.76%	2%	£750k	n/a
		Vida 24	4.87%
		Vida 6	5.78%
Standard	85%	Vida 36	5.26%	2%	£500k	n/a
Cashback Expat (single unit & HMO / MUB)	75%	Vida 36	5.65%	2%	£2m	£500
Expat (Single Unit & HMO / MUB)	75%	Vida 36	5.53%	2%	£2m	n/a
Cashback HMO/MUB	75%	Vida 36	4.94%	2%	£2m	£500
HMO/MUB	75%	Vida 36	4.82%	2%	£2m	n/a
		Vida 24	4.83%
		Vida 6	5.99%
		Packager	6.19%
HMO/MUB	80%	Vida 36	5.11%	2%	£750k	n/a
		Vida 24	5.28%
		Vida 6	6.29%
HMO/MUB	85%	Vida 36	5.92%	2%	£500k	n/a

ERCs

2 year
4% until 30/06/2027
3% until 30/06/2028

Minimum Loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

2 year - 30/06/2028

5 year fixed

Standard - 5 year fixed rate
A minimum term of 6 years is required.
Available for both purchase and remortgages.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback Standard	75%	Vida 36	4.87%	2%	£2m	£500
Standard	75%	Vida 36	4.82%	2%	£2m	n/a
		Vida 24	5.05%
		Vida 6	5.55%
		Packager	5.76%
Standard	80%	Vida 36	5.30%	2%	£750k	n/a
		Vida 24	5.31%
		Vida 6	6.07%
Standard	85%	Vida 36	5.94%	2%	£500k	n/a
Cashback Expat (Single unit & HMO/MUB)	75%	Vida 36	5.55%	2%	£2m	£500
Expat (Single unit & HMO/MUB)	75%	Vida 36	5.50%	2%	£2m	n/a
Cashback HMO/MUB	75%	Vida 36	5.13%	2%	£2m	£500
HMO/MUB	75%	Vida 36	5.08%	2%	£2m	n/a
		Vida 24	5.11%
		Vida 6	5.88%
		Packager	6.01%
HMO/MUB	80%	Vida 36	5.85%	2%	£750k	n/a
		Vida 24	5.88%
		Vida 6	6.39%
HMO/MUB	85%	Vida 36	6.29%	2%	£500k	n/a

ERCs

5 year
5% until 30/06/2027
5% until 30/06/2028
4% until 30/06/2029
3% until 30/06/2030
2% until 30/06/2031

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

5 year - 30/06/2031

Fee Saver

2 year fixed

Available for both purchase and remortgages.
No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Standard	75%	Vida 36	5.77%	0.75% (min £795)	£2m	n/a
HMO/MUB	75%	Vida 36	5.96%	0.75% (min £795)	£2m	n/a
Expat (Single unit & HMO/MUB)	75%	Vida 36	6.46%	0.75% (min £795)	£2m	n/a
Cashback Standard	75%	Vida 36	5.89%	0.75% (min £795)	£2m	£500
Cashback HMO/MUB	75%	Vida 36	6.08%	0.75% (min £795)	£2m	£500
Expat (Single unit & HMO/MUB)	75%	Vida 36	6.58%	0.75% (min £795)	£2m	£500

ERCs

2 year
4% until 30/06/2027
3% until 30/06/2028

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

2 year - 30/06/2028

5 year fixed

Available for both purchase and remortgages.
A minimum term of 6 years is required.
No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Standard	75%	Vida 36	5.27%	0.75% (min £795)	£2m	n/a
HMO/MUB	75%	Vida 36	5.45%	0.75% (min £795)	£2m	n/a
Expat (Single unit & HMO/MUB)	75%	Vida 36	5.88%	0.75% (min £795)	£2m	n/a
Cashback Standard	75%	Vida 36	5.32%	0.75% (min £795)	£2m	£500
Cashback HMO/MUB	75%	Vida 36	5.50%	0.75% (min £795)	£2m	£500
Expat (Single unit & HMO/MUB)	75%	Vida 36	5.93%	0.75% (min £795)	£2m	£500

ERCs

5 year
5% until 30/06/2027
5% until 30/06/2028
4% until 30/06/2029
3% until 30/06/2030
2% until 30/06/2031

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

5 year - 30/06/2031

Holiday Buy to Let

2 year fixed

Available for both purchase and remortgages.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Standard	75%	Vida 36	5.50%	2%	£2m	n/a
		Vida 24	5.65%
		Vida 6	6.05%
Standard	80%	Vida 36	5.65%	2%	£750k	n/a
		Vida 24	5.80%
		Vida 6	6.20%
Standard Fee Saver	75%	Vida 36	6.45%	0.75%	£2m	£300
		Vida 24	6.60%
		Vida 6	7.00%

ERCs

2 year
4% until 30/06/2027
3% until 30/06/2028

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

2 year - 30/06/2028

5 year fixed

Available for both purchase and remortgages.
A minimum term of 6 years is required.
No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Standard	75%	Vida 36	6.20%	2%	£2m	n/a
		Vida 24	6.35%
		Vida 6	6.75%
Standard	80%	Vida 36	6.35%	2%	£750k	n/a
		Vida 24	6.50%
		Vida 6	6.90%
Standard Fee Saver	75%	Vida 36	6.62%	0.75%	£2m	£300
		Vida 24	6.77%
		Vida 6	7.17%

ERCs

5 year

5% until 30/06/2027

5% until 30/06/2028

4% until 30/06/2029

3% until 30/06/2030

2% until 30/06/2031

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

5 year - 30/06/2031

Consumer Buy to Let

2 year fixed

Available for both purchase and remortgages.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product type	LTV	Tier	Initial rate	Fee	Max loan
Standard	75%	Vida 36	4.77%	2%	£2m
Standard	80%	Vida 36	5.01%	2%	£750k
Standard Fee Saver	75%	Vida 36	6.02%	0.75%	£2m
Expat	75%	Vida 36	5.78%	2%	£2m

ERCs

2 year
4% until 30/06/2027
3% until 30/06/2028

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

2 year - 30/06/2028

5 year fixed

Available for both purchase and remortgages.
A minimum term of 6 years is required.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.

Product type	LTV	Tier	Initial rate	Fee	Max loan
Standard	75%	Vida 36	5.07%	2%	£2m
Standard	80%	Vida 36	5.60%	2%	£750k
Standard Fee Saver	75%	Vida 36	5.52%	0.75%	£2m
Expat	75%	Vida 36	5.75%	2%	£2m

ERCs

5 year
5% until 30/06/2027
5% until 30/06/2028
4% until 30/06/2029
3% until 30/06/2030
2% until 30/06/2031

Minimum loan

£50K

Revert rate

8.89% (VVR + 2.84%)

Vida Variable Rate (VVR)

6.05% Set on 01.09.2025

Product terms fixed until:

5 year - 30/06/2031

Customer Credit Profiles

Should your customer have adverse that falls outside of our three Credit Tiers, we still may be able to help with our Packager Tier.

Criteria	Vida 36	Vida 24	Vida 6	Packager
Time since the last default where the amount was £500 or more**	0 in 36	0 in 24	0 in 6	Considered < 6 months
Time since the last CCJ where the amount was £500 or more**	0 in 36	0 in 24	0 in 6	Considered < 6 months
Worst status Secured Payments* (months)	0 in last 36	3 in last 24		Considered (no max)
Worst status Secured Payments* (months)	No secured arrears allowed within the last 6 months
Number of missed unsecured payments ≥ £250 in the last 6 months	1 in 6	2 in 6	3 in 6	Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed	3 years +			1 year +
Previous repossessions	6 years +			3 years +

*All historic secured arrears must have been made up to date for at least 6 months prior to application • Debt Management Plan/Debt Arrangement Schemes may be considered at Underwriter discretion - subject to satisfactory affordability and conduct checks. **All CCJs and defaults less than £500 are excluded within the product tiering

Vida 36
Time since the last default where the amount was £500 or more**	0 in 36
Time since the last CCJ where the amount was £500 or more**	0 in 36
Worst Status Secured Payments* (months)	0 in last 36
Number of missed unsecured payments >£250 in the last 6 months**	1 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +

VIDA 24
Time since the last default where the amount was £500 or more**	0 in 24
Time since the last CCJ where the amount was £500 or more**	0 in 24
Worst Status Secured Payments* (months)	3 in last 24
Number of missed unsecured payments >£250 in the last 6 months**	2 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +

Vida 6
Time since the last default where the amount was £500 or more**	0 in 6
Time since the last CCJ where the amount was £500 or more**	0 in 6
Worst Status Secured Payments* (months)	3 in last 24
Number of missed unsecured payments >£250 in the last 6 months**	3 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +
Worst Status Secured Payments* (months)	3 in 24

PACKAGER
Time since the last default where the amount was £500 or more**	Considered < 6 months
Time since the last CCJ where the amount was £500 or more**	Considered < 6 months
Worst Status Secured Payments* (months)	Considered (no max)
Number of missed unsecured payments >£250 in the last 6 months**	Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed	1 year +
Previous repossessions	3 years +

Buy to Let calculator

Want to know how much we could lend your customers on a Buy to Let property without logging into the Vida Application System for a DIP?

Go to calculator

Buy to Let criteria highlights

Consumer Buy to Let

Available up to 80% LTV on our Vida 36 Tier

Inherited properties

Let to Buy and Let to Rent applicants

Let to Move, including an acceptance of applicants regardless of whether there is an onward purchase

CBTL for Worldwide Expats up to 75% LTV

Dedicated CBTL product range.

Let to Move (Buy, Rent, Move)

Purchasing a new residential property (Let to Buy)

Renting another property to live in (Let to Rent)

Moving in with family or relocating abroad

Available up to 75% LTV for Expats

Holiday Buy to Let

Applicant Experience: At least one applicant must have owned a Residential or BTL property for a minimum of 6 months.

Minimum Income: No minimum income requirement

Expatriates: Acceptable within standard Expat criteria

Maximum LTV: 80% excluding fees. (Product fees can be added, provided total borrowing including fees does not exceed 82% LTV)

Personal Use: Permitted up to 90 days per calendar year

Letting Platforms: Airbnb or similar holiday letting platforms are permitted

Worldwide Expats

For existing UK property owners living or working in selected EEA or worldwide countries.

First time landlords considered

No minimum income required

HMOs / MUBs and student lets

Up to 8 bedrooms for HMOs and 8 units for MUBs

Student lets considered

Applications considered where no previous landlord experience

First Time Buyers

No income verification required

Minimum age 21

Standard ICRs apply - no uplift applied for FTBs

Up to 4 applicants allowed

Specialist Properties

Ex-Public Sector properties

New Build

Flats above or adjacent to commercial considered

High-rise flats considered with no restrictions on the maximum number of storeys

Limited company SPV

Up to 4 individuals accepted

SPV must be registered in England, Wales or Scotland

125% rental calculation for all property types

No minimum time required for SPV incorporation

Search all criteria

The Buy to Let Hub

We're working with Core Logic to give our Intermediary partners access to our BTL Hub, making it quick and easy to submit details of your customers' property portfolio to us.

Before being able to submit portfolio applications you'll need to create an account by completing a short online form. Follow the link below to open the BTL Hub register page.

Visit the Buy to Let Hub

Useful Buy to Let Documents

For help with mortgage documentation, the application process or to find out more about our products & criteria, call the V-Hub on 03300 246 246

Guides & Resources

Case studies

Product Guides, Application Checklists and key Buy to Let resources you might find useful

🗎 Buy to Let Rate Sheet

🗎 Buy to Let Application Checklist

🗎 Mandatory Documents Intermediary Guide

🗎 Expat Guide

Our case studies will assist you in understanding how we can help more of your specialist clients

🗎 Portfolio Landlord

🗎 First Time Landlord

🗎 HMO

🗎 Expat

Got what you need?

Got questions? We’ve got answers—clear, quick, and straight to the point.

Call the V-Hub on 03300 246 246 and speak to our experienced team:

Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 10am - 5pm

Already have everything you need? You can login to the Broker Portal to start a new mortgage application or head over to our Product Switch Hub to switch an existing customer to a new deal.

You can always ask Mobi.

Mobi is your always-on digital assistant, designed specifically for brokers. Mobi delivers instant, helpful answers to your questions about Vida’s lending criteria, product range, and more when you need them.

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