ICR for HMOs and MUBs reduced to 125% for SPVs
Up to 85% LTV with a minimum loan of £50,000
First time and experienced landlords
No maximum limit of storeys in a flat block
Expats in selected worldwide and EEA countries
Foreign National criteria for BTL
Portfolios up to £7.5m and 20 properties with Vida
New Holiday Let and Consumer Buy to Let product range
Now accepting Let to Buy / Let to Rent / Let to Move.
Invest in a UK holiday home with our new Holiday Buy to Let product range
Client inherited or been gifted a property? See our new Consumer Buy to Let product range
From Portfolio landlords to Expats to HMOs — We’ve Got BTL Covered. Search our BTL criteria.
Service excellence or we'll refund the administration fee. Our Service Pledge is as simple as that.
Should your customer have adverse that falls outside of our three Credit Tiers, we still may be able to help with our Packager 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) | |
| 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 + | ||
| Vida 36 | |
|---|---|
| Months since last default | 0 in 36 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | 0 in 24 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | 0 in 6 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | Considered < 6 months |
| Months since last CCJ | 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 + |
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
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.
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
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
For existing UK property owners living or working in selected EEA or worldwide countries.
First time landlords considered
No minimum income required
Up to 8 bedrooms for HMOs and 8 units for MUBs
Student lets considered
Applications considered where no previous landlord experience
No income verification required
Minimum age 21
Standard ICRs apply - no uplift applied for FTBs
Up to 4 applicants allowed
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
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
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
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
🗎 Buy to Let Application Checklist
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:
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.
Login to our Broker Portal Visit the Product Switch Hub
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.