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.

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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.

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.

CriteriaVida 36Vida 24Vida 6Packager
Time since the last default where the amount was £500 or more**0 in 360 in 240 in 6Considered < 6 months
Time since the last CCJ where the amount was £500 or more**0 in 360 in 240 in 6Considered < 6 months
Worst status Secured Payments* (months)0 in last 363 in last 24Considered (no max)
No secured arrears allowed within the last 6 months
Number of missed unsecured payments ≥ £250 in the last 6 months1 in 62 in 63 in 6Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed3 years +1 year +
Previous repossessions6 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 are acceptable. **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 Deed3 years +
    Previous repossessions6 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 Deed3 years +
    Previous repossessions6 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 Deed3 years +
    Previous repossessions6 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 Deed1 year +
    Previous repossessions3 years +

 

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.

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Please note: Limited Editions have a restricted tranche size and may, therefore, be withdrawn at short notice.

Product TypeLTVTierInitial rateFeeMin loanMax loan
Standard
Limited Edition		65%Vida 362.92%4%£150k£2m
75%Vida 363.40%4%
Vida 362.57%5%
HMO/MUB
Limited Edition		75%Vida 363.65%4%£150k£2m
Vida 362.87%5%

ERCs

2 year
4% until 31/07/2027
3% until 31/07/2028

 

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

2 year - 31/07/2028

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

Product typeLTVTierInitial rateFeeMax loanCashback
Cashback
Standard		75%Vida 364.54%2%£2m£500
Standard75%Vida 364.42%2%£2mn/a
Vida 244.62%
Vida 65.28%
Packager5.99%
Standard80%Vida 364.76%2%£750kn/a
Vida 244.87%
Vida 65.78%
Standard85%Vida 365.26%2%£500kn/a
Cashback Expat (single unit & HMO / MUB)75%Vida 365.65%2%£2m£500
Expat (Single Unit & HMO / MUB)75%Vida 365.53%2%£2mn/a
Cashback HMO/MUB75%Vida 364.84%2%£2m£500
HMO/MUB75%Vida 364.72%2%£2mn/a
Vida 244.83%
Vida 65.99%
Packager6.19%
HMO/MUB80%Vida 365.11%2%£750kn/a
Vida 245.28%
Vida 66.29%
HMO/MUB85%Vida 365.92%2%£500kn/a

ERCs

2 year
4% until 31/07/2027
3% until 31/07/2028

Minimum Loan

£50K

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

2 year - 31/07/2028

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

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback
Standard		75%Vida 364.77%2%£2m£500
Standard75%Vida 364.72%2%£2mn/a
Vida 245.05%
Vida 65.55%
Packager5.76%
Standard80%Vida 365.30%2%£750kn/a
Vida 245.31%
Vida 66.07%
Standard85%Vida 365.94%2%£500kn/a
Cashback
Expat
(Single unit & HMO/MUB)		75%Vida 365.55%2%£2m£500
Expat
(Single unit & HMO/MUB)		75%Vida 365.50%2%£2mn/a
Cashback
HMO/MUB		75%Vida 365.03%2%£2m£500
HMO/MUB75%Vida 364.98%2%£2mn/a
Vida 245.11%
Vida 65.88%
Packager6.01%
HMO/MUB80%Vida 365.85%2%£750kn/a
Vida 245.88%
Vida 66.39%
HMO/MUB85%Vida 366.29%2%£500kn/a

ERCs

5 year
5% until 31/07/2027
5% until 31/07/2028
4% until 31/07/2029
3% until 31/07/2030
2% until 31/07/2031

Minimum loan

£50K

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

5 year - 31/07/2031

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

Product TypeLTVTierInitial rateFeeMax loanCashback
Standard75%Vida 365.67%0.75%
(min £795)		£2mn/a
HMO/MUB75%Vida 365.86%0.75%
(min £795)		£2mn/a
Expat
(Single unit & HMO/MUB)		75%Vida 366.46%0.75%
(min £795)		£2mn/a
Cashback
Standard		75%Vida 365.79%0.75%
(min £795)		£2m£500
Cashback
HMO/MUB		75%Vida 365.98%0.75%
(min £795)		£2m£500
Expat
(Single unit & HMO/MUB)		75%Vida 366.58%0.75%
(min £795)		£2m£500

ERCs

2 year
4% until 31/07/2027
3% until 31/07/2028

Minimum loan

£50K

 

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

2 year - 31/07/2028

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 TypeLTVTierInitial rateFeeMax loanCashback
Standard75%Vida 365.17%0.75%
(min £795)		£2mn/a
HMO/MUB75%Vida 365.35%0.75%
(min £795)		£2mn/a
Expat
(Single unit & HMO/MUB)		75%Vida 365.88%0.75%
(min £795)		£2mn/a
Cashback
Standard		75%Vida 365.22%0.75%
(min £795)		£2m£500
Cashback
HMO/MUB		75%Vida 365.40%0.75%
(min £795)		£2m£500
Expat
(Single unit & HMO/MUB)		75%Vida 365.93%0.75%
(min £795)		£2m£500

ERCs

5 year
5% until 31/07/2027
5% until 31/07/2028
4% until 31/07/2029
3% until 31/07/2030
2% until 31/07/2031

Minimum loan

£50K

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

5 year - 31/07/2031

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

Product typeLTVTierInitial rateFeeMax loanCashback
Standard75%Vida 365.22%2%£2mn/a
Vida 245.37%
Vida 65.77%
Standard80%Vida 365.37%2%£750kn/a
Vida 245.52%
Vida 65.92%
Standard Fee Saver75%Vida 366.17%0.75%£2m£300
Vida 246.32%
Vida 66.72%

ERCs

2 year
4% until 31/07/2027
3% until 31/07/2028

Minimum loan

£50K

 

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

2 year - 31/07/2028

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 typeLTVTierInitial rateFeeMax loanCashback
Standard75%Vida 365.90%2%£2mn/a
Vida 246.05%
Vida 66.45%
Standard80%Vida 366.05%2%£750kn/a
Vida 246.20%
Vida 66.60%
Standard Fee Saver75%Vida 366.32%0.75%£2m£300
Vida 246.47%
Vida 66.87%

ERCs

5 year

5% until 31/07/2027

5% until 31/07/2028
4% until 31/07/2029
3% until 31/07/2030

2% until 31/07/2031

 

Minimum loan

£50K

 

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

5 year - 31/07/2031

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

Product typeLTVTierInitial rateFeeMax loan
Standard75%Vida 364.67%2%£2m
Standard80%Vida 364.91%2%£750k
Standard Fee Saver75%Vida 365.92%0.75%£2m
Expat75%Vida 365.78%2%£2m

ERCs

2 year
4% until 31/07/2027
3% until 31/07/2028

Minimum loan

£50K

 

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

2 year - 31/07/2028

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 typeLTVTierInitial rateFeeMax loan
Standard75%Vida 364.97%2%£2m
Standard80%Vida 365.50%2%£750k
Standard Fee Saver75%Vida 365.42%0.75%£2m
Expat75%Vida 365.75%2%£2m

ERCs

5 year
5% until 31/07/2027
5% until 31/07/2028
4% until 31/07/2029
3% until 31/07/2030
2% until 31/07/2031

Minimum loan

£50K

Revert rate

8.64% (VVR + 2.84%)

Vida Variable Rate (VVR)

5.80% Set on 01.02.2026

Product terms fixed until:

5 year - 31/07/2031

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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
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Buy to Let criteria highlights


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

Search all criteria
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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


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.

Login to our Broker Portal Visit the Product Switch Hub

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.