Unlock your client's next chapter. When they’re ready to let their current home and move on —buy, rent, or stay with family—Let to Move makes it simple for them to take the next step.
Let to Move allows your client to:
• Seamlessly transition from homeowner to landlord.
• Unlock the value of their current property without selling.
• Maintain flexibility in their next move—whether buying, renting, or relocating temporarily.
Let to Move gives your clients more flexibility during life’s transitions. Whether they’re letting their property to buy, rent, move abroad, live with family, or simply haven’t decided yet — Vida will consider them. This flexible approach applies across our entire Buy to Let range.
Who is it for?
Is your client's flavour more Consumer Buy to Let? Understand more about our Consumer Buy to Let range here.
Why choose Let to Move?
Let to Move allows your client to:
Let to Buy or Let to Rent—your move, your way.
The flow chart will help you determine, which product should be selected for your client.
*A Buy to let mortgage is a mortgage that, at the point it was taken out, was for business purposes and contains conditions preventing the borrower, or their relatives, from occupying the property at the time. **Close Relative: Relatives are an applicant's spouse or civil partner, parent, sister, brother, child, grandparent or grandchild. (This includes scenarios such as stepparents/children.)
Vida does not currently lend on both the BTL and the new residential purchase in Let to Buy / Lent to Rent cases.
Download our Criteria Guide Download our BTL Product Guide
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Please note: Limited Editions have a restricted tranche size and may, therefore, be withdrawn at short notice.
| Prdocut Type | LTV | Tier | Initial rate | Fee | Min loan | Max loan |
|---|---|---|---|---|---|---|
| Standard Limited Edition | 65% | Vida 36 | 3.32% | 4% | £150k | £2m |
| 75% | Vida 36 | 3.56% | 4% | |||
| Vida 36 | 2.92% | 5% | ||||
| HMO/MUB Limited Edition | 75% | Vida 36 | 3.81% | 4% | £150k | £2m |
| Vida 36 | 3.02% | 5% |
2 year
4% until 30/04/2027
3% until 30/04/2028
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 |
|---|---|---|---|---|---|---|
| HMO/MUB Limited Edition |
75% | Vida 36 | 4.75% | 4% | £150k | £2m |
| 80% | Vida 36 | 5.31% | 4% | £750k |
5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
5 year - 30/04/2031
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 | 4.80% | 2% | £2m | £500 |
| Standard | 75% | Vida 36 | 4.68% | 2% | £2m | n/a |
| Vida 24 | 4.77% | |||||
| Vida 6 | 5.28% | |||||
| Packager | 5.99% | |||||
| Standard | 80% | Vida 36 | 4.81% | 2% | £750k | n/a |
| Vida 24 | 5.07% | |||||
| Vida 6 | 5.78% | |||||
| Standard | 85% | Vida 36 | 5.31% | 2% | £500k | n/a |
| Cashback Expat (single unit & HMO / MUB) | 75% | Vida 36 | 5.90% | 2% | £2m | £500 |
| Expat (Single Unit & HMO / MUB) | 75% | Vida 36 | 5.78% | 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 | 4.93% | |||||
| Vida 6 | 5.99% | |||||
| Packager | 6.19% | |||||
| HMO/MUB | 80% | Vida 36 | 5.11% | 2% | £750k | n/a |
| Vida 24 | 5.33% | |||||
| Vida 6 | 6.29% | |||||
| HMO/MUB | Vida 36 | 5.92% | 2% | £500k | n/a |
2 year
4% until 30/04/2027
3% until 30/04/2028
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 | 5.10% | 2% | £2m | £500 |
| Standard | 75% | Vida 36 | 5.05% | 2% | £2m | n/a |
| Vida 24 | 5.15% | |||||
| Vida 6 | 5.55% | |||||
| Packager | 5.76% | |||||
| Standard | 80% | Vida 36 | 5.45% | 2% | £750k | n/a |
| Vida 24 | 5.46% | |||||
| Vida 6 | 6.07% | |||||
| Standard | 85% | Vida 36 | 6.04% | 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 | 5.60% | 2% | £2m | n/a |
| Cashback HMO/MUB |
75% | Vida 36 | 5.27% | 2% | £2m | £500 |
| HMO/MUB | 75% | Vida 36 | 5.22% | 2% | £2m | n/a |
| Vida 24 | 5.26% | |||||
| Vida 6 | 5.88% | |||||
| Packager | 6.01% | |||||
| HMO/MUB | 80% | Vida 36 | 5.92% | 2% | £750k | n/a |
| Vida 24 | 5.98% | |||||
| Vida 6 | 6.39% | |||||
| HMO/MUB | 85% | Vida 36 | 6.36% | 2% | £500k | n/a |
5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
5 year - 30/04/2031
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 | 5.93% | 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 | 6.71% | 0.75% (min 0.75%) |
£2m | n/a |
| Cashback Standard |
75% | Vida 36 | 6.05% | 0.75% (min 0.75%) |
£2m | £500 |
| Cashback HMO/MUB |
75% | Vida 36 | 6.08% | 0.75% (min £795) |
£2m | £500 |
| Expat (Single unit & HMO/MUB) |
75% | Vida 36 | 6.83% | 0.75% (min £795) |
£2m | £500 |
2 year
4% until 30/04/2027
3% until 30/04/2028
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 Type | LTV | Tier | Initial rate | Fee | Max loan | Cashback |
|---|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 5.50% | 0.75% (min £795) |
£2m | n/a |
| HMO/MUB | 75% | Vida 36 | 5.59% | 0.75% (min £795) |
£2m | n/a |
| Expat (Single unit & HMO/MUB) |
75% | Vida 36 | 5.98% | 0.75% (min 0.75%) |
£2m | n/a |
| Cashback Standard |
75% | Vida 36 | 5.55% | 0.75% (min 0.75%) |
£2m | £500 |
| Cashback HMO/MUB |
75% | Vida 36 | 5.64% | 0.75% (min £795) |
£2m | £500 |
| Expat (Single unit & HMO/MUB) |
75% | Vida 36 | 6.03% | 0.75% (min £795) |
£2m | £500 |
5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
5 year - 30/04/2031
Available for both purchase and remortgages.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.
| Product 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% | £500k | £300 |
| Vida 24 | 6.60% | |||||
| Vida 6 | 7.00% |
2 year
4% until 30/04/2027
3% until 30/04/2028
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 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% | £500k | £300 |
| Vida 24 | 6.77% | |||||
| Vida 6 | 7.17% |
2 year
5% until 30/04/2027
2% until 30/04/2031
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 | 4.93% | 2% | £2m |
| Standard | 80% | Vida 36 | 5.06% | 2% | £2m |
| Standard Fee Saver | 75% | Vida 36 | 6.18% | 0.75% | £500k |
| Expat | 75% | Vida 36 | 6.03% | 2% | £2m |
2 year
4% until 30/04/2027
3% until 30/04/2028
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
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 type | LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 5.30% | 2% | £2m |
| Standard | 80% | Vida 36 | 5.70% | 2% | £2m |
| Standard Fee Saver | 75% | Vida 36 | 5.75% | 0.75% | £500k |
| Expat | 75% | Vida 36 | 5.85% | 2% | £2m |
5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
5 year - 30/04/2031
From Portfolio landlords to Expats to HMOs — We’ve Got BTL Covered. Search our BTL criteria
Check BTL affordability instantly — no login, no DIP. Try our BTL Affordability Calculator
Get direct access to the Underwriter handling your case through the V-Hub.
Service excellence or we'll refund the administration fee. Our Service Pledge is as simple as that.
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.
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