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Residential Maximum Age: Before applicant’s 80th Birthday

Lending in or into retirement

Where the following three statements below apply, we can consider lending to age 80 based on current income:

• Applicant is under 50

• is over 10 years from retirement

• is contributing to a pension scheme Additional applicants outside of this can be considered but no income will be used for affordability. The repayment type must be on a capital & interest basis

Maximum term: 45 years (Capital Repayment and Interest Only) subject to our maximum age at term end criteria.

Zero Hours Contracts

Applicants considered where a 12 month year track record of sustainable earnings

Zero Hours Contracts

Income and employment details will not generally be requested for self funding BTLs .

Working Tax Credits

Income and employment details will not generally be requested for self funding BTLs .

Working Tax Credits

50% of Working Tax Credit is accepted (not as main source of income) but assessed on individual basis.

Wimpey No Fines / Laing Easi Form post 1945 - Non Standard Construction

Wimpey No-Fines houses accepted if constructed after 1946. Laing Easiform house accepted if constructed after 1966.

Wimpey No Fines / Laing Easi Form - Non Standard Construction

Wimpey No-Fines houses & Laing Easi Form both accepted if constructed after 1946. Bungalows or Flats are not acceptable regardless of date of construction.

Wimpey No Fines / Laing Easi Form - Non Standard Construction

Wimpey No-Fines houses & Laing Easi Form both accepted if constructed after 1946. Bungalows or Flats are not acceptable regardless of date of construction.

Widow's Pension

Income and employment details are not required.

Widow's Pension

Accepted at 100%

Widowed Parent Allowance

Income and employment details are not required.

Widowed Parent Allowance

Not acceptable

War Widow(ers) Pension

Income and employment details are not required.

War Widow(ers) Pension

Accepted at 100%

Voluntary Right to Buy (Housing Association Tenants)

Vida does not currently accept Voluntary Right to Buy

Visas: Acceptable Visas

Foreign nationals will need to provide evidence of their right to reside in the UK Those with a permanent right to reside, EU/EAA/Swiss with settled status or Indefinite leave to remain can borrow up to scheme limits Where residency status is evidenced by one of the following, borrowing is available up to 75% LTV with at least 5% of the deposit coming from either savings or inheritance ; • EU/EEA/Swiss with pre-settled status • Family Visa • Tier 1 (Entrepreneur Visa only) • Tier 2 (Skilled Worker) • UK Ancestry Visa • British National (Overseas) Visa • Senior or Specialist Worker visa • Health and Care Worker Visa .

Vested Share Income

Income and employment details are not required.

Vested Share Income

Vida cannot consider Vested Share Income

Valuers / Valuation Company

Esurv

Valuers / Valuation Company

Esurv

Valuation Type / Definition / Criteria

Yes, eSurv will always make a full internal inspection and drive-by or AVM is not acceptable

Valuation Type / Definition / Criteria

Yes, eSurv will always make a full internal inspection

Valuation Appeals

Can consider. Must send a minimum of 3 comparable properties from with a 1 mile radius that have been sold in the last 6 months.

Valuation Appeals

Can consider. Must send a minimum of 3 comparable properties that have been sold in the last 6 months.

Valuation / Survey Types Available

Valuation for mortgage purposes only. Fee free option available with Fee Saver products on properties valued at up to £1,000,000. Home Buyers Reports and Full Building Surveys are not available through Vida.

Valuation / Survey Types Available

Valuation for mortgage purposes only. Fee free option available with Fee Saver products on properties valued at up to £500,000. Home Buyers Reports and Full Building Surveys are not available through Vida.

Utility Bills Missed/Late Payments/Arrears

Missed unsecured telecomms and utilities payments are not taken into account when assessing applicant adverse. Utility related defaults and CCJs count towards maximum tier levels.

Utility Bills Missed/Late Payments/Arrears

Missed unsecured telecomms and utilities payments are not taken into account when assessing applicant adverse. Utility related defaults and CCJs count towards maximum tier levels.

Unsecured Loan Arrears

The maximum allowed in the last 6 months on our whole of market range is £500 combined. In addition, on our Packager Exclusive Tier there is no cap to the maximum amount (£) of missed/ late payments. See Product Guide for full adverse details.

Unsecured Loan Arrears

Accepted, up to a maximum of 3 in the last 6 months and up to a combined total of £500. See Product Guide for full details.

Universal Credit

Income and employment details are not required.

Universal Credit

Accepted at 50% but must not be main source of income but assessed on individual basis

Unencumbered Properties

Acceptable. Treated as a Remortgage.

Unencumbered Properties

Acceptable. Treated as a Remortgage. Free legals would not be available

Underpinned Properties

Properties that have been underpinned in the last 10 years must have a 10 year guarantee warranting the works completed and must be placed with the title deeds. The Valuer must state no sign of new movement. The solicitors to confirm prior to completion that the Building's Insurer's are aware of the problem and willing to cover on normal terms.

Underpinned Properties

Properties that have been underpinned in the last 10 years must have a 10 year guarantee warranting the works completed and must be placed with the title deeds. The Valuer must state no sign of new movement. The solicitors to confirm prior to completion that the Building's Insurer's are aware of the problem and willing to cover on normal terms.

Underpayment Facility

Vida is unable to consider an underpayment facility

Underpayment Facility

Not acceptable

UK Resident / EU Nationals

All UK and EEA applicants applying for a Buy to Let Mortgage must provide at the latest 2 years residential address history in UK. All applicants must provide 3 years address history. A customer with less the latest 2 years' UK residency is acceptable if applying jointly with another principal customer who is a UK or EEA national, satisfies the UK residency requirements and can afford mortgage based solely on their income.

UK Resident / EU Nationals

3 years' address history required from Residential applicants and right to reside. All applicants must provide at least the latest years' residential address history in UK.

Tyneside Flats / Cross Leases

Vida is unable to lend on Tyneside Flats / Cross Leases

Tyneside Flats / Cross Leases

Not accepted

Two Applicants on Mortgage / One Named on Deeds

Helping Hand is our Joint Borrower Sole Proprietor purchase and remortgage offer (either FTB or home-mover, excludes RTB). Parents (including stepparents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews assisting each other to buy or remortgage a home by joining the mortgage without going on the title deeds. All incomes considered in affordability subject to usual rules.

Two Applicants on Mortgage / One Named on Deeds

Not acceptable

Tronc (Tips) income

Vida Homeloans can accept applicants which receive tronc payments (tips) when assessing affordability as long as they can be evidenced on payslips and there is sufficient track record. Tronc (Tips) income is accepted at 75%.

Travel Costs / Rail Cards / Travel Season Tickets

Income and employment details are not required.

Travel Costs / Rail Cards / Travel Season Tickets

Travel costs will be considered in the assessment of affordability.

Timber Framed - Non Standard Construction

Timber frame acceptable with a brick or 'block and rendered' outer frame.

Timber Framed - Non Standard Construction

Timber frame acceptable with a brick or 'block and rendered' outer frame.

Third Party Income (Spouse, Partner, Parent etc.) not Named on Mortgage

Income and employment details are not required.

Third Party Income (Spouse, Partner, Parent etc.) not Named on Mortgage

Only as Court Ordered Maintenance.

Tenure

Freehold & Leasehold are both acceptable. For Capital & Interest loans minimum of 40 years lease remaining at the end of the term. For Interest Only, there must be 70 years remaining at the end of the term.

Tenure

Freehold & Leasehold are both Acceptable For Capital & Interest loans minimum of 40 years lease remaining. Interest Only, 70 years remaining.

Tenancy / Letting to Government/ Housing Association / DSS

Non-Assured Shorthold Tenancy Agreements are Acceptable. Require sight of all corporate letting agreements which are then referred to our solicitors for consideration. DSS tenants acceptable.

Tenancy - Letting to Housing Benefit / DSS Tenants

Tenancies to individuals supported by Housing Benefits are acceptable. DSS accepted.

TENANCY - LETTING TO HOUSING ASSOCIATION / LOCAL AUTHORITY/DSS

Accepted where letting requirement is not be overly complex and have a maximum 5 year duration of the head tenancy, with a break clause. Sub letting must be permissable and not have the potential to become a secured tenancy.DSS tenants acceptable.

Tenancy - Letting to a Housing Association / Local Authority

Accepted. Will however require sight of the Corporate Letting Agreement in order to consider fully

Temporary Work / Employment

Income and employment details are not required.

Temporary Work / Employment

Applicants considered where a 2 year track record of sustainable earnings

Teachers / Supply Teachers

Income and employment details are not required.

Teachers / Supply Teachers

Treated as a Standard Employment for permanent employed Teachers. Can consider Supply Teachers with a long track record. Teachers and Lecturers employed in the public sector may be eligible for our Key Worker Scheme with up to 6x Loan to Income available.

Sub-Sales and Reassignment of Sale Contracts

This is not currently offered by Vida Homeloans

Sub-Sales and Reassignment of Sale Contracts

Not acceptable

Subcontractors

Acceptable. Day 1 contractors considered with a minimum of 1-years track record of employment within the same line of work. Minimum 3 months remaining on current contract. Where paid via an umbrella company or where employer pays both tax and NI, income verified via last 3 months' payslips and most recent P60 if applicable. Applicants working in construction under Construction Industry Scheme (CIS) will be treated as self-employed [see CIS Contractors for details].

Subcontractors

Income and employment details will not generally be requested for self funding BTLs .

Sub Letting

Considered at underwriter discretion. The letting requirement must not be overly complex and have a maximum 5 year duration of the head tenancy, with a break clause.

Studio Flats / Apartments

Acceptable. Must be more than 30 SqM internal, 35 SqM external

Studio Flats / Apartments

Acceptable. Must be more than 35 square metres.

Student Loans

Student Loans are taken into consideration for Affordability Assessment.

Student Loans

Taken into consideration for Affordability Assessment if income is being used.

Student Lets

Student lets: students can either be on individual AST's or jointly and severally liable for the rent. It is acceptable for a family member to be one of the occupants of a Student Let. Family members must not reside in the property, unless full time students occupying less than 40%. To be let out on AST only.

Stocks & Shares as an Interest Only Repayment Vehicle

Acceptable. Stocks, Shares, ISA or other liquid investment. Declaration Form will be required clearly setting out the repayment strategy and amount(s) to be used.

Stipend

Income and employment details are not required.

Stipend

Stipend is not taken into consideration for income by Vida Homeloans

Steel Framed - Non Standard Construction

Acceptable as long as post-2000 construction.

Steel Framed - Non Standard Construction

Acceptable as long as post-2000 construction.

State Pension Income

Not accepted. Applicants' who are already Retired and in receipt of State Pension income are accepted where term end is before their 80th Birthday but their income can not be used for the affordability assessment.

State Pension Income

Income and employment details are not required.

Starter Homes Scheme

Starter Home Initiative not available

Starter Home Initiative

This is not currently offered by Vida Homeloans

SPVs / Business Classification SIC Codes Limited Company Lending

SPV's must have one of the following SIC Codes: 68100 Buying and selling of own real estate‚ 68209 Other letting and operating of own or leased real estate‚ 68320 Management of real estate on a free or contract basis‚ 68201 Renting and operating of Housing Association real estate . SPV must be registered in England, Wales or Scotland.

Spousal Maintenance

Income and employment details are not required.

Splitting of Title Deed

May consider. Please Refer.

Splitting of Title Deed

May consider. Please Refer.

Special Duties Allowance

Income and employment details are not required.

Special Duties Allowance

Yes, providing it is available throughout the mortgage term

Solicitors / Conveyancers

Yes providing the solicitor is on our panel. Visit Conveyancing to see our Conveyancer panel.

Solicitors / Conveyancers

Yes providing the solicitor is on our panel. Visit Conveyancing to see our Conveyancer panel.

Sole Trader to a Limited Company - Change of Trading Status

Agreed subject to individual cases assessment. We will consider lending to Special Purpose Vehicles for the purpose of property investment – trading limited company lending is not permitted.

Sole Trader to a Limited Company - Change of Trading Status

Agreed subject to individual case assessment

Solar Panels

Consent to lease of roof space is considered for the installation of solar panels

Solar Panels

Yes

Soft Footprint at AIP/DIP Stage

Soft footprint only

Soft Footprint at AIP/DIP Stage

Yes, soft foot print only

Sitting Tenants

Not accepted.

Shortfall in Rental Calculation / Top Slicing / Personal Income Affordability

All BTLs need to be self funding. Top slicing not currently available

Short Term Renewable Contracts

Income and employment details are not required.

Short Term Renewable Contracts

Day 1 contractors considered with a minimum of 1-years track record of employment within the same line of work. Minimum 3 months remaining on current contract.

Short Term Lending

This is not currently offered by Vida Homeloans

Short Term Lending

Not acceptable

Shift Allowance / Unsociable Hours

Income and employment details are not required.

Shift Allowance / Unsociable Hours

100% of Shift Allowance or Unsociable House payment is accepted.

Sheltered Accommodation / Retirement Housing

This is not currently offered by Vida Homeloans

Sheltered Accommodation / Retirement Housing

Not acceptable

Shared Ownership Remortgage Staircasing

Shared Ownership schemes not available

Shared Ownership

This is not currently offered by Vida Homeloans

Shared Ownership

Not acceptable

Shared Equity Remortgage Staircasing

This is not currently offered by Vida Homeloans

Shared Equity

This is not currently offered by Vida Homeloans

Shared Equity

Not acceptable

Serviced Flat / Apartment

This is acceptable for a residential application only

Serviced Flat / Apartment

Not accepted

Service / Ground Rent / Maintenance Costs

Income and employment details are not required.

Self Employed - Validity of Accounts

Accounts must be no more than 12 months old before the date of application. Where proof of income is more than 12 months old we will also require an accountants certificate verifying thatthere are no material changes in revenue, expenditure, salary and dividends. If Accountants certificate is not available, personal and business bank statements are required for review by underwriter. If the latest proof of income is older than 12 months (but no more than 18 months old), the latest 3 months Personal and Business Bank Statements will also need to be supplied.

Self Employed - Validity of Accounts

Income and employment details are not required.

Self Employed - Umbrella Companies

Acceptable to be paid via an umbrella company, which pays tax and NI for the applicant. Income verified via last 3 months payslips and most recent P60 if applicable or by way of contract x 48 weeks

Self Employed - Umbrella Companies

All BTL’s need to be self funding. Income details are not required.

Self Employed - Trading History / Years Accounts

Sole Trader, LLP or Partnership: If trading for more than 24 months we will require latest 2 years evidence of income. If trading for less than 24 months, we will require 1 years evidence of income along with a projection for current year from a suitable qualified accountant OR latest 3 months business bank statements. Limited Company Director: We can use Net profit where the applicant(s) own 100% of the shareholding. Otherwise we will look at salary plus dividends. If trading for less than 24 months, we can only take salary plus dividends. CIS Contractor: CIS workers to provide their latest 1 yearSA302 and Tax Year Overview and last 3 months payslips /invoices; OR the latest 12 months CIS payslips / invoices. If the latest proof of income is older than 12 months (but no more than 18 months old), the latest 3 months Personal and Business Bank Statements will also need to be supplied.

Self Employed - Trading History / Years Accounts

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Sole Trader, LLP or Partnership

If trading for more than 24 months we will require latest 2 years evidence of income. If trading for less than 24 months, we will require 1 years evidence of income along with a projection for current year from a suitable qualified accountant OR latest 3 months business bank statements. If the latest proof of income is older than 12 months (but no more than 18 months old), the latest 3 months Personal and Business Bank Statements will also need to be supplied.

Self Employed - Sole Trader

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Retained Profit in Company

We will consider retained profit as a source of deposit however, it cannot be used as income towards affordability.

Self Employed - Retained Profit in Company

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Partnerships

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Limited Liability Partnerships / LLP's

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Director / Percentage Share of Business

Once an applicant reaches a 25% shareholding they will be considered self employed

Self Employed - Director / Percentage Share of Business

Once an applicant reaches a 25% shareholding they will be considered self employed

Self Employed - Director / Limited Company

Once an applicant reaches a 25% shareholding they will be considered self employed

Self Employed - Director / Limited Company

Treated as self employed when owning 25% or more of the shares. For joint applicants who are shareholders in the same company, the 25% relates to the combined shareholding. Affordability based upon dividends + remuneration, or net profit where applicants own 100% of the company

Self Employed - Declining Profits

Where stable or increasing profits we would usually use the latest year's figures. Where the previous 2 years shows a significant variance we may request information from prior years to enable a better view of the trend to be established.

Self Employed - Declining Profits

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - Assessment of Accounts for Affordability

Income and employment details will not generally be requested for self funding BTLs .

Self Employed - 1 Years Accounts

Income and employment details will not generally be requested for self funding BTLs .

SELF EMPLOYED

Income and employment details are not required.

Self Build / Custom Build

Vida will consider lending where the self build has been completed and covered by a suitable 10 year warranty.

Self Build / Custom Build

Not available

Second Job / Additional Employment

Income and employment details are not required.

Second Job / Additional Employment

Up to 100% of income from second jobs accepted, providing a 3 month record can be demonstrated.

Second Home / Property / Pied a Terre

This is not currently offered by Vida Homeloans

Seasonal Employment

Income and employment details are not required.

Seasonal Employment

This is not currently offered by Vida Homeloans

Scottish First Home Fund Scheme (SFHFS)

This is not currently offered by Vida Homeloans

School Fees

Income and employment details are not required.

School Fees

School fees will be considered in the assessment of affordability.

Sale of Foreign Property/Assets as an Interest Only Repayment Vehicle

This is not currently offered by Vida Homeloans

Sale and Rent Back

Not acceptable

Right To Buy / Right To Acquire

Available on purchase only applications from Local Authorities for Right to Buy and from Housing Associations for Right to Acquire. Available up to lower of 100% of discounted purchase price or 75% of the open market value. We will need to see:
- Section 125 or RTA 3 from the Local Authority/Housing Association - Last 12 months rental payments. Any missed rental payments will be treated as missed mortgage payments for tier allocation

Re-Type Valuations

Re-typed valuations not accepted

Re-Type Valuations

Re-typed valuations not accepted

Retirement Interest Only (RIO) Mortgages

This is not currently offered by Vida Homeloans

Retentions Full / Partial

Partial retentions not acceptable. Assessed on current valuation. Full retentions are required where substantial work is necessary on the subject property

Retentions Full / Partial

Partial retentions not acceptable. Assessed on current valuation. Full retentions are required where substantial work is necessary on the subject property

Retained / Additional Properties in the Background - Non Professional Landlords

Acceptable. Full property details will need to be supplied at application for consideration

Restrictive Covenants

This is not currently offered by Vida Homeloans

Restrictive Covenants

Not acceptable

Residential Mortgage in the Background / To Remain

Considered. Prior to completion, applicants will need to provide a mortgage offer for their onwards residential purchase. The Remortgage and Purchase must complete simultaneously.

Residency

3 years' address history required from all applicants. All UK and EEA applicants applying for a Buy to Let Mortgage must provide the latest 2 years' residential address history in UK. All Non EEA nationals must have been resident in the UK for the latest 2 years and have permanent right to reside. A customer with less than the latest 2 years' UK residency is acceptable if applying jointly with another principal customer who is a UK or EEA national‚ satisfies the UK residency requirements and can afford mortgage based solely on their income.

Residency

3 years' address history required from Residential applicants and right to reside. All applicants must provide at least the latest years' residential address history in UK.

Requirement to be a Homeowner / Owner Occupier

First Time Buyers accepted. There is no requirement to be an existing home owner.

Rental Income as Sole/Additional Declared Income

Income and employment details are not required.

Rental Income as Sole/Additional Declared Income

100% Accepted as long as supported by SA302 & Tax Year Overview, accountants certificate or financial accounts

Rental Income as Sole Income

Yes - self employed criteria applies

Rental Income as Sole Income

Acceptable

Rental Income as Additional Declared Income

Income and employment details are not required.

Rental Income as Additional Declared Income

Yes assessed at 100%

Rental Calculation / Stress Test / Interest Cover Ratio (ICR)

ICR at 125% for Basic Rate taxpayers and SPV's. 140% for Higher Rate taxpayers

Rent To Buy

This is not currently offered by Vida Homeloans

Rent To Buy

Not acceptable

Rent Arrears

Considered subject to maximum overall restrictions on adverse credit - see full credit status on website product guides.

Rent Arrears

Considered subject to maximum overal restrictions on adverse credit - see full credit status on website product guides.

Remortgage from Bridging Finance/Loan

Acceptable if over 6 months ago. If less than 6 months ago, we allow remortgaging from bridging finance provided by other lenders including the roll up of interest and lender fees only. Capital raising is not accepted in this time period. Repayment of a private bridge is not permitted.

Remortgage from Bridging Finance/Loan

Acceptable. We allow remortgaging from bridging finance provided by other lenders including the roll up of interest and lender fees. Capital raising is not accepted.

Remortgage Capital Raising Purposes

Remortgage allowed for any legal purpose. Debt consolidation available up to 85% LTV. Capital Raising excludes business purposes, speculative investments, gambling debts and purchase of time share.

Remortgage Capital Raising Purposes

Remortgage allowed for any legal purpose. Capital Raising excludes speculative investments, gambling debts and purchase of time share.

Remortgage Applications

Remortgage allowed for any legal purpose and up to scheme limits. Excludes business purposes, speculative investments, Gambling Debts and the purchase of time share

Remortgage Applications

Remortgage allowed for any legal purpose and up to scheme limits. Excludes business purposes, speculative investments, Gambling Debts and the purchase of time share

Remortgage - Transfer of Equity

Acceptable. Solicitor will be required to confirm details of the transfer

Remortgage - Transfer of Equity

Acceptable. Solicitor will be required to confirm details of the transfer

Remortgage - Rental Calculation Pound for Pound

Rental income must meet our interest coverage requirements for the advance requested

Re-inspection Fees - New Build

No, Vida will charge a re-valuation fee of £120 where a re-inspection is required prior to the release of monies

Re-inspection Fees - New Build

No, Vida will charge a re-valuation fee of £120 where a re-inspection is required prior to the release of monies

Regulated Buy To Let / BTL

This is not currently offered by Vida Homeloans

Regulated Buy To Let / BTL

Family members must not reside in the property, unless full time students occupying less than 40%. To be let out on AST only.

Reduced Income for a Defined Period

Income and employment details are not required.

Reduced Income for a Defined Period

Please refer for consideration

Reduced Earnings Allowance

Income and employment details are not required.

Reduced Earnings Allowance

Reduced Earnings Allownace is not taken into consideration for income by Vida Homeloans

Purchase of Land

This is not currently offered by Vida Homeloans

Purchase of Land

Not acceptable

Purchase of Adjoining Property

Yes but both properties must be single dwelling units and there can be no shared services other than a cesspit

Purchase of Adjoining Property

Yes but both properties must be single dwelling units and there can be no shared services other than a cesspit

Purchase from Own/Family's Limited Company

This is not currently offered by Vida Homeloans

Purchase from Own/Family's Limited Company

Not acceptable

Purchase from a Limited Company

Vida will not accept property which is being bought from customers own limited company

Purchase from a Limited Company

Vida can accept a purchase application from a limited company

Purchase for Family Member

This is not currently offered by Vida Homeloans

Purchase for Family Member

Family members must not reside in the property, unless full time students occupying less than 40%. To be let out on AST only.

Purchase Application

Acceptable. Up to 85% LTV. See Criteria Category for LTV's for more information.

PROPERTY WITH SPRAY FOAM INSULATION

We will be unable to accept any property where spray foam insulation has been applied.

PROPERTY WITH SPRAY FOAM INSULATION

We will be unable to accept any property where spray foam insulation has been applied.

Property with Shared Access / Shared Services

Vida Homeloans can potentially consider a property with shared access, subject to valuer recommendations and solicitor's endorsement. However, Vida Homeloans will not consider a property with shared services except a septic tank.

Property with Shared Access / Shared Services

Vida Homeloans can potentially consider a property with shared access, subject to valuer recommendations and solicitor's endorsement. However, Vida Homeloans will not consider a property with shared services except a septic tank.

Property with Outbuildings

Areas up to three acres acceptable, more can be considered on a case by case basis. Must be wholly for residential use, private paddocks and stables acceptable but not farms and smallholdings. Agricultural or similar restrictions not acceptable.

Property with Outbuildings

Areas up to three acres acceptable, more can be considered on a case by case basis. Must be wholly for residential use, private paddocks and stables acceptable but not farms and smallholdings. Agricultural or similar restrictions not acceptable.

Property with Land / Acreage

Areas up to three acres acceptable, more can be considered on a case by case basis. Must be wholly for residential use, private paddocks and stables acceptable but not farms and smallholdings. Agricultural or similar restrictions not acceptable.

Property with Land / Acreage

Areas up to three acres acceptable, more can be considered on a case by case basis. Must be wholly for residential use, private paddocks and stables acceptable but not farms and smallholdings. Agricultural or similar restrictions not acceptable.

Property with an Annex

Properties with annexes are acceptable with or without shared services provided the annex is used for residential purposes. One annex only, which should be occupied as ancillary accommodation to the main property under the same AST i.e. no separate letting.

Property owned for less than 6 months by Vendor

Vida cannot consider a property owned for less than 6 months by Vendor. (The property must be registred under the owners name at Land Registry for a minimum of 6 Months)

Property owned for less than 6 months by Vendor

Not accepted. The owner must have been registered longer than 6 months

Property Management / Letting Agent/Agency

No requirement for a management Agent to be appointed. Vida accept Applicants who self-manage their properties

Property Condition / Minimum Requirements

Must be habitable in it's current condition and subject to Valuer's comments.

Property Condition / Minimum Requirements

Must be habitable in it's current condition. Subject to Valuer's comments.

Property close to / on Landfill

Vida cannot accept as suitable security

Property close to / on Landfill

Vida cannot accept as suitable security

Property affected by Subsidence

Vida cannot accept as suitable security

Property affected by Subsidence

Vida cannot accept as suitable security

Property affected by Mining / Close to Mineshaft

Vida can potentially consider lending on properties that are close to a mine shaft subject to valuation and appropriate legal checks.

Property affected by Mining / Close to Mineshaft

Vida can potentially consider lending on properties that are close to a mine shaft subject to valuation and appropriate legal checks.

Property affected by Contamination

Vida cannot accept as suitable security

Property affected by Contamination

Vida cannot accept as suitable security

Property / Investment Clubs

Purchases and remortgages involving a Property Investment Club will not be considered.

Property / Investment Clubs

Purchases and remortgages involving a Property Investment Club will not be considered.

Properties subject to the Green Deal Government Scheme

Acceptable

Properties subject to the Green Deal Government Scheme

Acceptable

Properties Purchased at Auction

Can consider

Properties Purchased at Auction

Can consider

Properties close to Commercial Outlets

Accepted up to 75% LTV. Properties situated next to restaurants, takeaways, dry cleaners, hairdressers, laundrettes, tattoo, piercing, nail parlours, public houses, petrol stations have a maximum LTV of 60%.subject to valuers comments on mortgageability and saleability.

Properties close to Commercial Outlets

Accepted up to 75% LTV. Properties situated next to restaurants, takeaways, dry cleaners, hairdressers, laundrettes, tattoo, piercing, nail parlours, public houses, petrol stations have a maximum LTV of 60%.subject to valuers comments on mortgageability and saleability.

Proof of Residential / Address ID

Electronic identification will be used to identify an applicant(s) against a variety of public databases. If the applicant(s) is not found or does not pass the electronic ID verification process, proof of identity & residency as appropriate will be required. EID used, but where required we may need the following: Utility bill dated within the last 3 months (internet statements will be considered), Bank/credit card statements showing full name and address (internet statements will be considered)‚ Latest Council Tax bill, HM Revenue & Customs correspondence - relating to current tax year‚ Latest Mortgage Statement (internet statements not acceptable)

Proof of Residential / Address ID

Satisfactory proof of residency covering a minimum 2 year period is always required. Electronic Identification (EID) is used. However ,if the applicant is not found or does not pass the EID verification process, proof of identity and residency will be required as appropriate:- valid UK driving licence, utility bill dated within the last 3 months (internet statements considered)‚ bank / credit card statements showing full name and address (internet statements considered), latest council tax bill, HM Revenue & Customs correspondence - relating to current tax year, latest mortgage statement (internet statements not acceptable).

Proof of Personal / Photographic ID

Electronic identification (EID) will be used to identify applicants. If applicants is not found or does not pass the EID verification process, proof of identity: Valid UK Passport, Valid UK Driving Licence‚ Valid Non-UK Passport or National ID Card, HM Forces / Police Warrant Card, UK Firearms certificate or shotgun licence

Proof of Personal / Photographic ID

Electronic identification (EID) will be used to identify applicants. If applicants is not found or does not pass the EID verification process, proof of identity: Valid UK Passport, Valid UK Driving Licence‚ Valid Non-UK Passport or National ID Card, HM Forces / Police Warrant Card, UK Firearms certificate or shotgun licence

Proof of Deposit

Required in any purchase where the deposit is NOT being funded by use of equity release from the sale of the customer's current property.

Proof of Deposit

Required in any purchase where the deposit is NOT being funded by use of equity release from the sale of the customer's current property

Professions / Professional Specialist Range / Criteria

Income and employment details are not required.

Professions / Professional Specialist Range / Criteria

No specialist criteria, treated as any other applicant.

Professional Sports People

Income and employment details are not required.

Professional Sports People

Accepted but each case considered on its individual merit.

Professional Landlords

Maximum 20 properties up to a maximum portfolio of £4,000,000 with Vida. No limit on total properties in overall portfolio. If landlord's whole portfolio is four or more properties (regardless of Lender), average maximum LTV is 80%

Professional Landlords

Yes and will be treated as Self Employed.

Product Transfer / Rate Switch / Customer Retention

Yes we offer Product Transfers / Switches. If the clients introductory rate has already expired, or is due to expire within the next 6 months, they are eligible to switch to a new product providing they meet the following criteria: They are up to date with payments. This must be true both when they accept the offer, and on the switch date. Their remaining mortgage term must be greater than the fixed period of your new product + 6 months. For example, they must have at least 2 years and 7 months left on their current mortgage term to be eligible for a 2 year fixed product. Product Switch offer needs to be accepted within the first 20 days of the month for the new rate to become effective on the 1st day of the following month. Otherwise it will become effective a full month later, on the 1st day of the next month.

Product Transfer / Rate Switch / Customer Retention

Yes we offer Product Transfers / Switches. If the clients introductory rate has already expired, or is due to expire within the next 6 months, they are eligible to switch to a new product providing they meet the following criteria: They are up to date with payments. This must be true both when they accept the offer, and on the switch date. Their remaining mortgage term must be greater than the fixed period of your new product + 6 months. For example, they must have at least 2 years and 7 months left on their current mortgage term to be eligible for a 2 year fixed product. Product Switch offer needs to be accepted within the first 20 days of the month for the new rate to become effective on the 1st day of the following month. Otherwise it will become effective a full month later, on the 1st day of the next month.

Product Split on same Mortgage

This is not currently offered by Vida Homeloans

Product Split on same Mortgage

Not accepted

Probationary Period

Income and employment details are not required.

Probationary Period

Yes, this can be considered subject to the underwriter's discretion.

Private Sales (No Estate Agent Acting)

Acceptable

Private Sales (No Estate Agent Acting)

Acceptable

Private Pension Income

Accepted at 100% where applicant is currently employed or self-employed. Where applicant is already Retired no income for that applicant will be used for the affordability assessment.

Private Pension Income

Not accepted. Applicants' who are already Retired and in receipt of State Pension are accepted on the basis the term end is before their 80th Birthday and their income is not to be used as part of the affordability assessment.

Price Work

Income and employment details are not required.

Price Work

We will consider Price Work in exceptional circumstances, subject to at least 1 year's track record and suitable evidence of earnings.

Pre Reinforced Concrete / PRC - Non Standard Construction

This is not currently offered by Vida Homeloans

Pre Reinforced Concrete / PRC - Non Standard Construction

Will not accept property constructed using concrete Large Panel System (LPS).

Postcode / Location Acceptable Areas for Lending

England, Wales and the following postcodes in Scotland; AB (excluding 36-38, 55), DD, DG (excluding 13, 14, 16), EH, FK (excluding 18-21), G, IV (excluding 4, 13, 21-23, 26, 27, 29, 33-35, 37-63), KA (excluding 27, 28), KW (excluding 1-7, 11+) KY, ML, PA (excluding 20-80), PH (excluding 20-42) and TD (excluding 3, 5-12).

Postcode / Location Acceptable Areas for Lending

England, Wales and the following postcodes in Scotland; AB (excluding 36-38, 55), DD, DG (excluding 13, 14, 16), EH, FK (excluding 18-21), G, IV (excluding 4, 13, 21-23, 26, 27, 29, 33-35, 37-63), KA (excluding 27, 28), KW (excluding 1-7, 11+) KY, ML, PA (excluding 20-80), PH (excluding 20-42) and TD (excluding 3, 5-12).

Porting

This is not currently offered by Vida Homeloans

Porting

This is not currently offered by Vida Homeloans

Portfolio Landlords - Up to 4 BTL Properties with other Lenders

Accepted - no restriction of total portfolio size. Up to 20 (max £4m) can be with Vida

Portfolio Landlords - Unlimited BTL Properties with other Lenders

Accepted - no restriction of total portfolio size. Up to 20 (max £4m) can be with Vida

Portfolio Landlords - Top Slice Personal Income

Not available

Portfolio Landlords - Specific Scheme

No, portfolio landlords access the same product range as individual unit landlords

Portfolio Landlords - Rental Assessment of Background Properties

Vida will only apply rental assessment to portfolio properties with Vida. This is at the same rate as for individual properties ie 125% at 5.5% or 5% for pound for pound remortgage. For the wider (non - Vida) portfolio we will simply assess rental income compared to the mortgage payment but will be looking to see how any properties with < 125% is mitigated through the Portfolio as a whole

Portfolio Landlords - Remortgage Capital Raising to pay a Tax Bill

Yes, accepted. no different for a portfolio landlord or non-portfolio landlord

Portfolio Landlords - Remortgage Capital Raising for Business Purposes

Yes - capital raising for portfolio landlords is no different to capital raising for non portfolio landlords. Accepted for any legal purposes.

Portfolio Landlords - Remortgage Capital Raising

Portfolio landlords can remortgage with Vida up to the maximum of 20 properties and £4,000,000. Max LTV across wider portfolio of 80%

Portfolio Landlords - Remortgage

Average LTV across wider portfolio must be no greater than 80%

Portfolio Landlords - Purchase Application

Portfolio landlords can hold up to 20 mortgaged properties with Vida and up to £4,000,000. Max LTV across wider portfolio of 80%

Portfolio Landlords - Number of BTL Properties with other Lenders

There is no restriction on total portfolio size with other lenders.Average LTV must be no more than 80% across the portfolio

Portfolio Landlords - Minimum Income

No minimum income required. Affordability is based upon rental income per property

Portfolio Landlords - Maximum Number of Properties

No overall portfolio limit. Maximum of 20 properties and £4,000,000 with Vida

Portfolio Landlords - Maximum Number of BTL Properties with Lender

Maximum of 20 properties with a maximum portfolio of £4m with Vida.

Portfolio Landlords - Maximum Loan Amount / Lending / Borrowing

Vida will lend against a maximum of 20 properties and up to a maximum of £4m. No limit on total portfolio size and no restriction on the total amount being borrowed by the portfolio landlord

Portfolio Landlords - eTech Buy to Let Hub

Yes, Vida uses eTech's Buy to Let Hub

Portfolio Landlords - Documents Required

Vida will require an existing property portfolio spreadsheet and Business plan for each application. Both of these forms are downloadable from Vida website. Brokers can upload their existing portfolio spreadsheet providing it contains the relevant information. On rare occasions the underwriter might also request a cashflow forecast and/or an Asset and Liability statement

Portfolio Landlords - Cash Flow Statement / Forecast

A Cash Flow Statement and/ or an Assets & Liabilities Statement can be requested at the underwriter’s discretion on any BTL application.

Portfolio Landlords - Business Plan

Business plan required on al portfolio landlord applications.

Portfolio Landlords - Assets and Liabilities Statement

A Cash Flow Statement and/ or an Assets & Liabilities Statement can be requested at the underwriter’s discretion on any BTL application.

Portfolio Landlords - Applications Accepted From

Vida defines a portfolio landlord as one with 4 mortgaged BTL properties prior to application

Portfolio Landlords - Additional Underwriting Checks

All Portfolio Landlords will need to complete a Business Plan and on occasion and at underwriter discretion, may be asked to provide a Cashflow Statement and an Asset and Liability Statement.

Portfolio Landlords - 5 to 10 BTL Properties with other Lenders

Accepted - no restriction of total portfolio size. Up to 20 (max £4m) can be with Vida

Portfolio Landlords - 11 to 50 BTL Properties with other Lenders

Accepted - no restriction of total portfolio size. Up to 20 (max £4m) can be with Vida

Portfolio Landlord - Definition of

Someone who has 4 or more mortgaged BTL properties at application Up to 80% LTV average across portfolio. £4m max loans on up to 20 proerties with Vida. No limit on overall portfolio size

Portfolio

Up to 20 properties with a maximum portfolio of £4,000,000 with Vida. No limit on overall portfolio size. If landlord's whole portfolio is four or more properties (regardless of lender), average LTV must be no more than 80%.

PO Box Address for Ex Pats

If the only available overseas address is a PO Box number, this will be acceptable where supported by confirmation from their employer via proof of address template and last 3 months payslips showing the salary credit into the bank account

PO Box Address for Ex Pats

If the only available overseas address is a PO Box number, this will be acceptable where supported by confirmation from theiremployer via proof of address template and last 3 months payslips showing the salary credit into the bank account

Planning Permissions

This is not currently offered by Vida Homeloans

Planning Permissions

Not acceptable

Piece Work / Piece Workers

Income and employment details are not required.

Piece Work / Piece Workers

We will consider Piece Work in exceptional circumstances, subject to at least 1 year's track record and suitable evidence of earnings.

Personal Independence Payment / PIP

Income and employment details are not required.

Personal Independence Payment / PIP

Accepted at 50% but assessed on individual basis

Personal Finance for Business Purposes

This is not currently offered by Vida Homeloans

Personal Finance for Business Purposes

Not Acceptable for BTL.

Permanent Health Insurance / PHI

Income and employment details are not required.

Permanent Health Insurance / PHI

Permanent Health Insurance payments are not taken into consideration for income by Vida Homeloans

Period Properties / Non Standard Construction

Timber framed properties constructed pre 1950 are only acceptable if considered a "period property" subject to valuers comments.

Period Properties / Non Standard Construction

Timber framed properties constructed pre 1950 are only acceptable if considered a "period property" subject to valuers comments.

Pension Credit

Income and employment details are not required.

Pension Credit

This is not currently offered by Vida Homeloans

Pension Contributions

Income and employment details are not required.

Pension Contributions

Pension contributions will be ignored in the assessment of affordability unless they are deemed excessive.

Pension as an Interest Only Repayment Vehicle

Acceptable. Pension (Personal, Executive or Employed pension plan). Declaration Form will be required clearly setting out the repayment strategy and amount(s) to be used.

Payslips / Wageslips

Hand-written document and online payslips will be accepted with the corresponding bank statement to show the salary credit being made to the customer.

Payslips / Wage slips

Hand-written document and online payslips will be accepted with the corresponding bank statement to show the salary credit being made to the customer.

Payday Loans

All payday loans must have been repaid upon completion and on underwriter discretion that there is no continued need for the ongoing use of payday loans.

Payday Loans

Can be considered however assessed for frequency on a case by case basis

Partner/2nd Applicant - With No Income

Yes, this would be considered

Partner/2nd Applicant - With No Income

Accepted

Part Repayment & Part Interest Only

This is not currently offered by Vida Homeloans

Part Repayment & Part Interest Only

Not Accepted

Paid In Cash

Income and employment details are not required.

Paid In Cash

Will consider. Subject to usual underwriting checks.

Overtime

Income and employment details are not required

Overtime

Accepted at 75% and evidenced by last 3 month's payslips and last P60

Overpayment Facility

Where ERCs exist, up to 10% in any rolling 12-month period. As no ERCs on variable products there is no restriction on overpayments.

Overpayment Facility

"Pension contributions will be ignored in the assessment of affordability unless they are deemed excessive. Where lending into retirement and applicants income is required for the affordability assessment evidence of Pension Contributions will be required."

Over-indebtedness / Debt to Income Ratio

Vida does not use Debt to income ratios. All applications must pass affordability

Over-indebtedness / Debt to Income Ratio

Vida does not use Debt to income ratios. All applications must pass affordability

Overhead Power Lines

Subject to valuers comments and underwriting

Overhead Power Lines

Subject to valuers comments and underwriting

Overage

This is not currently offered by Vida Homeloans

Overage

Not acceptable

Over 55 Buy To Let Mortgage - Equity Release

Not applicable

Over 55 Buy To Let Equity Release - Unacceptable Equity Release Purposes

Not applicable

Over 55 Buy To Let Equity Release - No Negative Equity Guarantee

Not applicable

Over 55 Buy To Let Equity Release - Fixed interest rate for the life of the loan

Not applicable

Other Income

Acceptable at 100%: regular monthly, quarterly or annual bonuses supported by P60 and payslips; Income from trust funds; rental profit; investment income supported by SA302; occupational pension income (including war widows/disablement or widowers pensions); second and other jobs providing 3 months' record; car allowance; shift allowance; London/large town allowance; housing allowance (provided by an employer); mortgage subsidy; payments from armed forces compensation scheme; lodger income (for remortgages); foster care income; child tax credit; child benefit; guardian's allowance. Acceptable at 75%: overtime or commission regular or monthly supported by P60 and relevant payslips. Acceptable at 50%: (not as main source of income) Disability Living Allowance (DLA) / Carer’s Allowance / Industrial Injuries Disablement Benefit (IIDB) / Personal Independence Payment (PIP) / Employment and Support Allowance (ESA) - Income and Contribution / Incapacity Benefit / Armed Forces Independence Payment / Universal Credit / Working Family Tax Credits

Other Income

Income and employment details will not generally be requested for self funding BTLs .



Offshore Financing

This is not currently offered by Vida Homeloans

Offshore Financing

Not acceptable

Offset Mortgages

This is not currently offered by Vida Homeloans

Off Plan New Build Houses / Apartments

Properties in the course of construction or Off Plan will be considered on a 'finished basis' valuation with full retention of monies until the property is ready for completion

Off Plan New Build Houses / Apartments

Properties in the course of construction or Off Plan will be considered on a 'finished basis' valuation with full retention of monies until the property is ready for completion

Occupancy

With the exception of our Helping Hand proposition, all applicants must reside in the security property. Helping Hand is our Joint Borrower Sole Proprietor purchase and remortgage offer (either FTB or home-mover, excludes RTB). Parents (including stepparents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews assisting each other to buy or remortgage a home by joining the mortgage without going on the title deeds. All incomes considered in affordability subject to usual rules.

Occupancy

Family members must not reside in the property, unless full time students occupying less than 40%. To be let out on AST only.

Nursing Bank / Nurses

Treated as employed applicants and accepted at 100%. Keyworker range is available, offering up to 6x Loan To income for all applicants.

Nursing Bank / Nurses

Income and employment details will not generally be requested for self funding BTLs .

Number of Floors / Storeys / High Rise

There is no restriction on the maximum number of floors / storeys. High rise flats and those without a lift are subject to valuers comments on mortgagability and saleability.

Number of Floors / Storeys / High Rise

There is no restriction on the maximum number of storeys. High rise flats and those without a lift are acceptable subject to valuers comments on mortgagability and saleability.

Non UK Tax Payer / Non Domicile

Acceptable and assessed on individual basis

Non UK Tax Payer / Non Domicile

No, all applicants must be liable to pay UK tax

Non UK / EU / EEA Foreign Nationals

Accepted. Buy to Let applicants must provide 3 years address history showing the latest 2 years continuous UK residency. Foreign nationals must in addition provide evidence of their permanent right to reside in the UK.

Non UK / EU / EEA Foreign Nationals

Foreign nationals will need to provide evidence of their right to reside in the UK Those with a permanent right to reside, EU/EAA/Swiss with settled status or Indefinite leave to remain can borrow up to scheme limits Where residency status is evidenced by one of the following, borrowing is available up to 75% LTV with at least 5% of the deposit coming from either savings or inheritance ; • EU/EEA/Swiss with pre-settled status • Family Visa • Tier 1 (Entrepreneur Visa only) • Tier 2 (Skilled Worker) • UK Ancestry Visa • British National (Overseas) Visa • Senior or Specialist Worker visa • Health and Care Worker Visa

Non Standard Construction

Vida will consider a wide range of properties with non standard construction. Please contact the V-Hub on 03300 246 246 to discuss the case in more detail.

Non Standard Construction

We will consider Non-Standard Construction properties in some instances; please contact us by telephone to discuss the case in more detail.

Non Simultaneous / Staggered Sale & Completion

Acceptable as long as income can cover both mortgages.

Non Borrowing Occupiers

Acceptable with each occupier over the age of 17 to sign a witnessed Declaration following independent legal advice

NHS Fleet Solutions / Car Scheme / Salary Sacrifice

Income and employment details are not required.

NHS Fleet Solutions / Car Scheme / Salary Sacrifice

Vida would take this into consideration for affordability assessment

New Build/Builder Sales Incentives

Accepted providing incentive does not exceed 5% and confirmation is received from the vendor/builder, confirming monetary value. Maximum 5% of the total amount of the Incentives as declared on the UK Finance Disclosure Form. Can be split i.e. 2.5% Builder Gifted Deposit and 2.5% Cash or other incentives.

New Build/Builder Sales Incentives

Accepted providing incentive does not exceed 5% and confirmation is received from the vendor/builder to confirm monetary value. Maximum 5% of the total amount of the Incentives as declared on the CML Form which can be split i.e. 2.5% Builder Gifted Deposit and 2.5% Cash or other incentives.

New Build Houses

Accepted up to scheme limits. New Build is defined as a property that has never been occupied and has an acceptable warranty in place.

New Build Houses

Accepted up to scheme limits. New Build is defined as a property that has never been occupied and has an accepatable warranty in place.

New Build Bulk Purchase Discount / Off Plan

This is not currently offered by Vida Homeloans

New Build Bulk Purchase Discount / Off Plan

Not accepted

New Build Apartments / Flats

New Build apartments and flats are accepted up to scheme limits. Vida Homeloans define a new build property as a property that has never been occupied and must have suitable Warranty (See Category "Warranties for details). Valuation can be off plan. Initial offer is valid for 6 months and extensions can be considered based on currently available products and will be subject to meeting the necessary reassessment criteria.. High rise flats and those without a lift are subject to valuers comments on mortgageability and saleability.

New Build Apartments / Flats

New Build apartments and flats are accepted up to scheme limits. Vida Homeloans define a new build property as a property that has never been occupied and must have suitable Warranty (See Category "Warranties for details). Valuation can be off plan. Initial offer is valid for 6 months and extensions can be considered based on currently available products and will be subject to meeting the necessary reassessment criteria.. High rise flats and those without a lift are acceptable subject to valuers comments on mortgageability and saleability.

New Build / Converted Properties – Warranty Providers

Must hold an acceptable warranty from one of the following (not exhaustive): Advantage/Advantage HCI‚ Aedis Warranties Limited‚ Ark Insurance Group Limited-Latent Defects Insurance‚ Build Assure‚ Build Life Plans‚ Build Zone, Castle 10 (Checkmate)‚ Global Home Warranties Limited‚ ICW, LABC‚ NHBC Certificates, Premier Guarantee‚ Protek‚ Q Assure Build Limited‚ Zurich Municipal Policy

Nationality and Residency

All Buy to Let applicants must provide 3 years address history showing the latest 2 years continuous UK residency.

Mundic Block - Non Standard Construction

Vida Homeloans will lend on mundic block where concrete screening test confirms A1,A2,A3. Where classification is B or C Vida is unable to help.

Mundic Block - Non Standard Construction

Vida Homeloans will lend on mundic block where concrete screening test confirms A1,A2,A3.

Multiple Tenancy Agreements / Room by Room Letting

Acceptable as an HMO.

Multi Let / Multi Unit Block Property

MUBs accepted up to 6 units on a single freehold title. Applications considered where no previous landlord experience. Min Valuation £175,000 for the freehold block in London and SE, £125,000 in all other regions. Rental assessment = 125% for basic rate tax payers or Limited Companies, 140% for higher rate taxpayers. We will only consider MUB Freehold blocks of flats where no leases have been granted on any of the units.

Mortgage Term - Years or Years and Months

Yes, will accept either full years, or years and months. Minimum 5 years, maximum 45 years.

Mortgage Term - Years or Years and Months

Yes, will accept either full years, or years and months. Minimum 5 years, maximum 45 years.

Mortgage Offer Validity

Vida’s standard offer is valid for 4 months. For New Build and Off Plan, initial offers are valid for 6 months. Extensions can be considered based on currently available products and will be subject to meeting the necessary reassessment criteria.

Mortgage Offer Validity

Vida’s standard offer is valid for 4 months. For New Build and Off Plan, initial offers are valid for 6 months. Extensions can be considered based on currently available products and will be subject to meeting the necessary reassessment criteria.

Mortgage Declarations / DDM's

Electronic. No paper or wet ink signatures required. DDM goes out with the Mortgage Offer.

Mortgage Declarations / DDM's

Electronic. No paper or wet ink signatures required. DDM is sent out with the Mortgage Offer.

Mortgage / Secured Loan Arrears / Missed or Late Payments

Applicants will be considered on the whole of market range as long as they have no defaults registered within the last 6 months. In addition, on our Packager Exclusive Tier we will consider applicants with even more recent adverse. See Product Guide for full adverse details.

Mortgage / Secured Loan Arrears / Missed or Late Payments

Applicants will be considered on the whole of market range as long as they have no defaults registered within the last 6 months. In addition, on our Packager Exclusive Tier we will consider applicants with even more recent adverse. See Product Guide for full adverse details.

Mobile Phone/Communications Arrears/Defaults

Missed unsecured telecomms and utilities payments are not taken into account when assessing applicant adverse. Telecom related defaults and CCJs count towards maximum tier levels.

Mobile Phone/Communications Arrears/Defaults

Missed unsecured telecomms and utilities payments are not taken into account when assessing applicant adverse. Telecom related defaults and CCJs count towards maximum tier levels.

Mixed Use Properties / Part Commercial

Can be considered for use by the residential owner/applicant exclusively for their own business purposes subject to a maximum of 40% of the building floor area and that the property can be sold as a standard residence without significant modification or expense

Mixed Use Properties / Part Commercial

Not acceptable.

Missed / Late Payments

The maximum allowed in the last 6 months on our whole of market range is £500 combined. In addition, on our Packager Exclusive Tier there is no cap to the maximum amount (£) of missed/ late payments. See Product Guide for full adverse details.

Missed / Late Payments

Accepted up to the following maximum adverse credit per application; No missed secured loan payments in the last 6 months with a worst status if 2 in the last 24 months. See Product Guide for full adverse details.

Mining / Contamination / Subsidence / Landfill

Will not lend where saleability may be adversely affected by local planning or by an unsatisfactory mining report

Mining / Contamination / Subsidence / Landfill

Will not lend where saleability may be adversely affected by local planning or by an unsatisfactory mining report

Minimum Term

Our minimum term is 5 years.

Any products selected with a fixed rate of 5 or more years, 1 extra year must be applied to the term e.g.

• 5 year fixed rate must have a 6 year term.

• 7 year fixed rate must have a 8 year term.

Minimum Term

Our minimum term is 5 years.

Any products selected with a fixed rate of 5 or more years, 1 extra year must be applied to the term e.g.

• 5 year fixed rate must have a 6 year term.

• 7 year fixed rate must have a 8 year term.

Minimum Property Value

£50,000 where LTV's up to 70% otherwise £70,000 for Standard BTL properties. £100,000 for HMOs £125,000 for MUBs (£175,000 in London & South East). Ex-LA flats £80,000 (£200,000 in Greater London) Our minimum loan size or maximum LTV may at times require a higher minimum valuation.

Minimum Property Value

£70,000. Our minimum loan size or maximum LTV may at times require a higher minimum valuation.

Minimum Number of Bedrooms

1 bed (including studio flats)

Minimum Number of Bedrooms

1 bed standard BTL's including studio flats. Minimum number of Bedrooms on an HMO is 2.

Minimum Loan Amount

£50,000.

Minimum Loan Amount

£50,000

Minimum Income

Income and employment details will not generally be requested for self funding BTLs .

Minimum Income

At least one applicant must earn £15,000

Minimum Floor Area

Minimum internal floor area for studio flats is 30 sqM, 35spM external

Minimum Floor Area

Minimum external floor area for studio flats is 35 sqM

Minimum Age of Second Applicant

21 years

Minimum Age of Second Applicant

18 as long as direct family member. 21 otherwise

Minimum Age at Application

21 years

Minimum Age at Application

21 years

Mileage / Travel Allowance

Mileage/Travel allowance is not taken into consideration for income by Vida Homeloans

Mileage / Travel Allowance

Income and employment details are not relevant for self funding BTLs.

Maximum Term

45 years (Capital Repayment and Interest Only) subject to our maximum age at term end criteria.

Maximum Term

45 years (Capital Repayment and Interest Only).

Maximum Property Value

Vida Homeloans has no maximum property value

Maximum Number of Tenants on One Tenancy Agreement

Up to 4 tenants can be on one tenancy agreement

Maximum Number of Properties

Maximum 20 properties up to a maximum portfolio of £4,000,000 with Vida. No limit on total properties in overall portfolio. If landlord's whole portfolio is four or more properties (regardless of Lender), average maximum LTV is 80%

Maximum Number of Bedrooms non HMO

No restriction on total number of bedrooms unless HMO where limit is 6

Maximum Number of Bedrooms for a HMO

6 bedrooms max for HMO

Maximum Number of Bedrooms

No limit if the house is not an HMO. Maximum of 6 Bedrooms on an HMO.

Maximum Number of Bedrooms

No maximum limit

Maximum Number of Applicants

4 applicants

Maximum Number of Applicants

4 applicants

Maximum LTV / Loan To Value

90% LTV available on our 7 year fixed term
85% LTV for Purchase and Remortgage
75% LTV for Interest Only
75% LTV for those applying with an Acceptable Visa or Pre-settlement status
75% LTV for properties situated above/adjacent commercial premises, restricted to 60% LTV where commercial is a restaurants/takeaway/launderette/hairdressers/public house/garage and subject to valuers comments on mortgageability and saleability.

Maximum LTV / Loan To Value

85% LTV for Standard BTL (including First Time Buyers, First Time Landlords, Ex LA Houses), HMO and MUBs. 80% for Ex LA flats. 75% for Ex-Pats and for Flats situated above commercial premises. 60% LTV for Flats situated above or close to restaurants/takeaways/launderettes/hairdressers/tattoo, piercing or nail parlours/ public houses and petrol stations.

Maximum Borrowing / Loan Amount

£2m up to 75% LTV, £1m up to 85% LTV

Maximum Borrowing / Loan Amount

£1,000,000 up to 75% LTV

Maximum Age at End of Term / Loan To Age

Applicants must not be aged 80 or over at term end.

Maximum Age at End of Term / Loan To Age

The mortgage term must end before the 85th birthday of oldest applicant

Maximum Age at Application

Applicants must not be aged 80 or over at term end. The minimum mortgage term is 5 years.

Maximum Age at Application

79 years.

Maternity/Paternity Leave/Pay

Income and employment details are not required.

Maternity/Paternity Leave/Pay

Considered on return to work pay supported with a letter from employer confirming date maternity/paternity leave due to end along with terms and salary upon return to work.

Married Couple Application in One/Single Name

Where married, in civil partnerships, co-habiting or where there is a financial dependency, applications should be submitted in joint names. Where it is a remortgage of a property already owned in a sole name, underwriter discretion can be applied.

Mariners / Seafarers / Ships Crew / Captain

Will be considered where a track record of sustainable earning is available.

Mariners / Seafarers / Ships Crew / Captain

Income and employment details are not required.

Maintenance - Family Based Arrangement/Not Court Ordered

Income and employment details are not required.

Maintenance - Family Based Arrangement/Not Court Ordered

Not accepted

London Weighting / Long Term Large Town Allowance

Income and employment details are not required.

London Weighting / Long Term Large Town Allowance

Accepted at 100%

Lodger / Boarder / Rent a Room

Income and employment details are not required.

Lodger / Boarder / Rent a Room

100% of lodger income taken in to account for remortgages evidenced by last three months bank statements.

Local Authority Grant Scheme

This is not currently offered by Vida Homeloans

Local Authority Grant Scheme

This is not currently offered by Vida Homeloans

Loan to Income Cap / Limit

Income and employment details are not required.

Loan to Income Cap / Limit

Each loan needs to pass affordability assessment based on their expenditure. If the affordability assessment is passed, the maximum Loan to Income permitted is 6x Income.

Live / Work Units

This is not currently offered by Vida Homeloans

Live / Work Units

This is not currently offered by Vida Homeloans

Live / Work / Mixed Use properties Units

Can be considered for use by the residential owner/applicant exclusively for their own business purposes subject to a maximum of 40% of the building floor area and that the property can be sold as a standard residence without significant modification or expense

Limited Company to a Sole Trader - Change of Trading Status

Acceptable and considered a continuation of Trading History. A declining profit may not be acceptable to the underwriter.

Limited Company to a Sole Trader - Change of Trading Status

Acceptable and considered a continuation of Trading History. A declining profit may not be acceptable to the underwriter.

Light Refurbishment

At Underwriter’s discretion. This will be subject to the valuer’s comments, the extent of the works and whether the property will be readily lettable.

Light Refurbishment

Acceptable subject to Valuer's comments.

Let to Buy

Vida does not currently allow Let to Buy

Let to Buy

Not currently available.

Lending to Trusts / Trustees

This is not currently offered by Vida Homeloans

Lending to Trusts / Trustees

This is not currently offered by Vida Homeloans

Lending to Limited Companies

Applications accepted from SPVs that have been formed for the sole purpose of holding residential Buy to Let properties as assets. Trading limited company lending is not permitted. Please note that the SPV must be registered in England, Wales or Scotland and all directors and all classes of shareholder are required to provide joint and several guarantees. The SPV must not be a holding company or subsidiary, or have any subsidiaries or holding companies. Where lending to an SPV that has taken out a Coronavirus Bounceback Loan or Business interruption loan, this must have been repaid prior to application

Lending to Limited Companies

Limited Company lending is available for BTL only.

LENDING INTO RETIREMENT

Accepted.  Maximum age at end of the mortgage term cannot exceed an applicant’s 85th birthday.

Lending into retirement

Lending into Retirement is permitted in the following circumstances: Where the applicant is aged 50 or over at application the term cannot extend past their stated retirement age or 70th Birthday if using income for affordability assessment Where the applicant is aged under 50 at application and their stated retirement age is within 10 years (i.e. applicant is 46 and plans to retire at 55) the term cannot extend past their stated retirement if using income for affordability assessment Where the applicant is aged under 50 at application and more than 10 years from their stated retirement age the term can extend into retirement and their current income will be used for the affordability assessment where the applicants can evidence they have pension provisions in place Note: Where lending into retirement the applicants cannot have reached their 80th Birthday at term end

Lending in Retirement - Applicant Retired at Application

Accepted. The applicants cannot have reached their 85th Birthday at term end.

Lending in Retirement - Applicant Retired at Application

An applicant with an employment status of “Retired” can only apply jointly with another applicant who derives income from either being employed or self-employed. Although the affordability assessment will reflect the “Retired” applicant’s credit commitments and expenditure, their respective Income(s) cannot be considered. Applicants age cannot exceed their 80th Birthday at term end.

Lender Exposure Limits within a Development / Postcode / Area

Please contact our telephone V-Hub on 03300 246 246.

Lend in Wales

Yes

Lend in Wales

Yes

Lend in Scotland

Yes - these postcodes are currently acceptable; AB (excluding 36-38, 55), DD, DG (excluding 13, 14, 16), EH, FK (excluding 18-21), G, IV (excluding 4, 13, 21-23, 26, 27, 29, 33-35, 37-63), KA (excluding 27, 28), KW (excluding 1-7, 11+) KY, ML, PA (excluding 20-80), PH (excluding 20-42) and TD (excluding 3, 5-12).

Lend in Scotland

Yes - these postcodes are currently acceptable; AB (excluding 36-38, 55), DD, DG (excluding 13, 14, 16), EH, FK (excluding 18-21), G, IV (excluding 4, 13, 21-23, 26, 27, 29, 33-35, 37-63), KA (excluding 27, 28), KW (excluding 1-7, 11+) KY, ML, PA (excluding 20-80), PH (excluding 20-42) and TD (excluding 3, 5-12).

Lend in Northern Ireland

This is not currently offered by Vida Homeloans

Lend in Northern Ireland

This is not currently offered by Vida Homeloans

Lend in England

Yes

Lend Against / Finance Purchase of Land

This is not currently offered by Vida Homeloans

Lend Against / Finance Purchase of Land

This is not currently offered by Vida Homeloans

Leasehold Remaining Term

For Capital & Interest loans there must be a minimum of 40 years lease remaining at the end of the mortgage term. Where Interest Only, there must be 70 years remaining.

Leasehold Remaining Term

Capital & Interest loans need a minimum of 40 years lease remaining at the end of the term with Interest Only requiring 70 years remaining.

Leasehold Flat / Apartment where applicant/s own part or all of the Freehold

Acceptable. Vida will register their charge on the Leasehold and the freehold title where the customer owns this solely.

Leasehold Flat / Apartment where applicant/s own part or all of the Freehold

Acceptable. Vida will register their charge on the Leasehold and the freehold title where the customer owns this solely.

Large Loans

Individual loans available up to £1,000,000

Large Loans

Loans are available up to £2,000,000. See product rate sheets on website

Landlocked Property / Easements / Rights of Way

This is not currently offered by Vida Homeloans

Landlocked Property / Easements / Rights of Way

Not acceptable

Knock Through to Property Next Door / Renovations

This is not currently offered by Vida Homeloans

Knock Through to Property Next Door / Renovations

This is not currently offered by Vida Homeloans

Kitchens - Number of / More than one

Must have one kitchen with the exception of MUBs. HMOs with more than 1 kitchen can be considered subject to valuers comments.  

Kitchens - Number of / More than one

Must have one kitchen. Where more than one this is acceptable if a separate annex, any other reason would be on a case by case basis.

Key Worker Scheme

Our Key Worker Mortgages are for essential skilled workers employed in the public sector who provide vital community services. Please note that self-employed individuals, contractors and supply staff via agencies do not qualify for our Key Worker Scheme products.

The product range accepts applicants from the Armed Forces (Army, Navy and RAF), Public Sector Teachers (including Primary, Secondary, Sixth Form teachers and College/University lecturers/professors), NHS Clinicians and Nursing staff, Ambulance drivers, Paramedics, Police Officers and Firefighters.

At least one party on the application must be a Key Worker.

Please visit our Residential Rate Guide for more information.

Joint Borrowers / Sole Proprietor

Yes. The Helping Hand proposition will allow Parents (including stepparents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews) to support each other in purchasing or remortgaging a property, being party to the mortgage and having their income taken into account as part of the affordability assessment without the need to go onto the title deeds. See website for full details.

Joint Borrowers / Sole Proprietor

Not accepted on Buy to Let

Job Seeker's Allowance

Income and employment details are not required.

Job Seeker's Allowance

Job Seekers allowance is not taken into consideration for income by Vida Homeloans

Japanese Knotweed

Japanese Knotweed is acceptable if present within the boundary of the property or neighbouring properties (Category C or D). Where the Japanese Knotweed is located close proximity to the building (Category A or B ) or is severe we will only consider lending where there is a treatment plan in place.

Japanese Knotweed

Japanese Knotweed is acceptable if present within the boundary of the property or neighbouring properties (Category C or D). Where the Japanese Knotweed is located close proximity to the building (Category A or B ) or is severe we will only consider lending where there is a treatment plan in place.

IT Contractors

Income and employment details are not required.

IT Contractors

Acceptable as per other standard Contractor terms

Islamic Financing / Sharia Law

This is not currently offered by Vida Homeloans

Islamic Financing / Sharia Law

This is not currently offered by Vida Homeloans

ISA as an Interest Only Repayment Vehicle

Acceptable. Stocks, Shares, ISA or other liquid investment. Declaration Form will be required clearly setting out the repayment strategy and amount(s) to be used.

ISA as an Interest Only Repayment Vehicle

Acceptable. Stocks, Shares, ISA or other liquid investment. Declaration Form will be required clearly setting out the repayment strategy and amount(s) to be used.

Investment Income

Income and employment details are not required.

Investment Income

Accepted at 100% where supported by SA302 and corresponding tax year overview

Interest Only / Repayment Vehicle

Available on all products up to product maximum LTV.

Interest Only / Repayment Vehicle

Applicants require a suitable strategy to fully repay the outstanding mortgage balance at the end of the term. Acceptable repayment strategies are: Cash ISA or other savings‚ stocks, shares, ISA or other liquid investment‚ endowment policy‚ pension (personal, executive or employed pension plan). Sale of another mortgaged property. Downsizing (sale of the customer's main residence). Where downsizing, customers need a minimum amount of equity in the property at the end of the mortgage term in order to repay the mortgage debt and also feasibly purchase another property. £250,000 equity required at the start of the mortgage for all securities located within London and the South East of England‚ £175,000 for securities located in the rest of the UK. Other repayment strategies, including sale of other assets and occasional payments from income will be considered. An Interest Only Repayment Strategy Declaration Form will be required which clearly sets out the repayment strategy and amount(s) to be used.

Interest Only

Acceptable on all tiers up to 75% LTV and a maximum loan of £1m. Interest Only is not permitted where the applicants' are already retired or the mortgage term extends into retirement

Interest Only

Available on all levels, up to product maximum LTV

Inherited Properties

Acceptable as long as it has been through Probate. Treated as a Remortgage.

Inherited Properties

Acceptable as long as it has been through Probate. Treated as a Remortgage.

Inheritance as an Interest Only Repayment Vehicle

No. Repayment strategies must be in place on or prior to completion

Industrial Injuries Disablement Benefit

Income and employment details are not required.

Industrial Injuries Disablement Benefit

Accepted - 50%

INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)

Applicants will be considered on the whole of market range as long as they have been discharged for at least 3 years. In addition, on our Packager Exclusive Tier we will consider applicants discharged for at least 1 year. See Product Guide for full adverse details.

INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)

Applicants will be considered on the whole of market range as long as they have been discharged for at least 3 years. In addition, on our Packager Exclusive Tier we will consider applicants discharged for at least 1 year. See Product Guide for full adverse details.

Income Support

Income and employment details are not required.

Income Support

Accepted at 50%

INCOME MULTIPLE - AFFORDABILITY

Income and employment details are not required.

Income Multiple - Affordability

The maximum allowable income multiple is 6x subject to affordability

Income from Trust Funds

Income and employment details are not required.

Income from Trust Funds

Accepted at 100% where supported by SA302 and corresponding tax year overview

In an Arrangement To Pay

Vida will consider Customers currently in DMP at Underwriter discretion subject to satisfactory affordability and conduct checks.

In an Arrangement To Pay

Vida will consider Customers currently in DMP at Underwriter discretion subject to satisfactory affordability and conduct checks.

Housing Benefit

Income and employment details are not required.

Housing Benefit

Housing Benefit is not taken into consideration for income by Vida Homeloans

Housing Allowance / Mortgage Subsidy from Employer

Income and employment details are not required.

Housing Allowance / Mortgage Subsidy from Employer

Accepted at 100%

HOUSES OF MULTIPLE OCCUPATION (HMO)

HMO's accepted up to 6 bedrooms. Applications considered where no previous landlord experience. Min Valuation £100,000. Vida solicitors to confirm that if required, any applicable Local Council HMO license is either in force, or applied for. Rental assessment is 125% for BRT's and Limited Companies, 140% for HRT's. We will be unable to accept any HMO properties that do not meet licencing or regulatory requirements. For example, where the property rooms sizes do not meet minimum size requirements, or the property has inadequate communal space

Holiday Lets

This is not currently offered by Vida Homeloans

Holiday Home

No but we will consider capital raising for the purpose of purchasing a holiday home

Higher Lending Charge

Not charged

Higher Lending Charge

Not charged

Helping Hand

Helping Hand is our Joint Borrower Sole Proprietor purchase and remortgage offer (either FTB or home-mover, excludes RTB). Parents (including stepparents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews assisting each other to buy or remortgage a home by joining the mortgage without going on the title deeds. All incomes considered in affordability subject to usual rules.

Help to Buy Equity Loan Scheme (2021-2023)

Vida does not currently have a HTB offering.

Hard Footprint at AIP/DIP Stage

No, soft footprint only

Hard Footprint at AIP/DIP Stage

No, soft footprint only

Guardian's Allowance

Accepted at 100%

Guardian's Allowance

This is not currently offered by Vida Homeloans

Guarantors

Guarantors are not accepted, but we offer a joint borrower, sole proprietor product called Helping Hand where Parents (including stepparents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews assisting each other to buy or remortgage a home by joining the mortgage without going on the title deeds. (See Helping Hand criteria for more details.)

Guarantors

This is not currently offered by Vida Homeloans

Guaranteed Income Payment / Forces

Income and employment details are not required.

Guaranteed Income Payment / Forces

Accepted at 100%

GROUND RENT

Subject to underwriters assessment

Grade 2 Listed Buildings

Accepted

Grade 2 Listed Buildings

Accepted

Grade 1 Listed Buildings

Accepted

Grade 1 Listed Buildings

Accepted

Government Support Schemes

Where an SPV has made use of any Government Financial Support Scheme, (e.g., CBILS or BBLS) the proceeds are not to be used to fund any part of the deposit. We may consider lending to an SPV that has an ongoing Support Scheme loan (BBL or CBIL) where: • The security ICR is greater than 140% • Maximum LTV 75% • At least one applicant has additional background properties with more than 1 year’s landlord experience. • The SPV must be profitable in its latest year. • Meet the criteria of our strongest credit tier (currently Vida 36)

Gifted Deposit Non-Blood Relative

Gifted Deposits are considered from step relatives, foster parents and legal guardians. Can be up to 100%.

Gifted Deposit Non-Blood Relative

Vida will consider gifted deposits when application is in personal name (not Ltd Co). Gifted deposits are accepted from foster parents, legal guardians or step parents and can be for the full deposit amount.

Gambling / Gambling Debts

Vida will not provide a remortgage to repay gambling debts.

Gambling / Gambling Debts

Vida will not provide a remortgage to repay gambling debts.

Further Advance

This is not currently offered by Vida Homeloans

Further Advance

This is not currently offered by Vida Homeloans

Full Vacant Possession required on Completion

Full vacant possession must be obtained at completion

Full Vacant Possession required on Completion

Require full vacant possession. If there is a current tenant in the property who will remain upon completion, a current AST must be in place

Freehold Houses with Self Contained Flats

Multiunit properties are several properties on one freehold title i.e. a block of flats. MUBs can be considered subject to: Maximum six units‚ Minimum valuation of the whole block £175,000 (London & South East) and £125,000 rest of country‚ Block can only consist of flats i.e. no mixed units‚ Charge to be taken over the whole freehold.

Freehold Houses with Self Contained Flats

Consideration will be given to properties with only one annex as long as it has shared services. Occupants of annex can only be family members on a long term basis or on a short term / holiday let basis.

Freehold Flats / Maisonettes

Acceptable in Scotland or if a Coach House Flat in England & Wales. Otherwise not acceptable in England and Wales.

Freehold Flats / Maisonettes

Acceptable in Scotland or if a Coach House Flat in England & Wales. Otherwise not acceptable in England and Wales.

Foster Carer's Allowance

Income and employment details are not required.

Foster Carer's Allowance

To be considered must be declared to HMRC via the submission of a SA302. Elements of this income is tax free (refer to HMRC’s website for up-to-date information) and should be keyed into the tax-free field on eFO. Any taxable income from this source will be shown on the SA302. It will be acceptable to assess foster care income using the filed tax return (in conjunction with the SA302), evidence provided by the local authority or agency covering the last 12 months.

Foreign Currency Mortgage Lending

This is not currently offered by Vida Homeloans

Foreign Currency Mortgage Lending

This is not currently offered by Vida Homeloans

Forces Personnel

Income and employment details are not required.

Forces Personnel

Acceptable, also accept 100% from Armed Forces compensation scheme.

Forces Help To Buy Scheme

Not currently offered by Vida.

Forced Repossessions / Voluntary Possessions

Applicants will be considered on the whole of market range as long as the repossession was at least 6 years ago. In addition, on our Packager Exclusive Tier we will consider applicants repossessed at least 3 years ago. See Product Guide for full adverse details.

Forced Repossessions / Voluntary Possessions

Not accepted if repossessed in last 10 years.

Flying Freehold

Accepted where flying freehold is up to 25% of total floor space and the valuer confirms this does not have a material impact on demand, mortgageability and saleability.

Flying Freehold

Accepted as long as flying freehold affects no more than 25% of total floor space and this does not have any material impact on demand mortgageability and saleability as per valuer's comments.

Flats / Apartments with Deck / Balcony Access

Flats with balcony / Deck access allowed.

Flats / Apartments with Deck / Balcony Access

Flats with balcony / Deck access allowed.