Premier Hub

Seriously Satisfying Service

We’ve taken everything you love about working with us and turned it up a notch, enhancing our proposition and building a dedicated team of experts around your and your client’s needs.

Your Premier Hub contact number: 03300 532 045
Your dedicated mailbox is connect@vidahomeloans.co.uk

  • Enhanced Proposition

    Exclusive access to our Packager Tier - available to you through a non-Packaged route...

  • Dedicated Team

    Dedicated team of Premier Hub specialists to support you, with a priority phone line and mailbox.

  • Priority Service

    Access to experienced Underwriters, who'll prioritise your cases and offer complete case support.

  • Precision Engagement

    We'll offer tailored educational material to help you get life moving for even more specialist clients.

    • Buy to Let Large Loan


    Supersize your large-loan BTL business with the exclusive Vida XL range, built for brokers who think BIG.

    HUGE Benefits

    • Loan sizes from £400k up to £2m
    • Choice of 2 & 5-year products
    • 2 fee options: Low fixed fee with Cashback OR higher fee with a lower fixed rate
    • Competitive rates designed for larger loans
    • Enhanced Proc Fee
    • No upfront assessment fee payable
    View the VidaXL Products

    Service excellence you can rely on

    Dedicated service enhancements, exclusively for Vida XL Range

    • Backed by the Vida Service Pledge: if service falls short, we’ll pay your customer £500*.
    • Direct contact: an underwriter will always call you during the initial assessment
    • Priority handling: XL cases are managed by our most experienced underwriters

    *Enhanced £500 Service Pledge applies exclusively to Vida XL Buy to Let cases.

    Our new VidaXL range is backed by the Vida Service Pledge: if service falls short, we’ll pay your customer £500*
    Exclusive Premier Hub Benefits

    Whether it’s a complex case or a quick query, Premier Hub is here to help you get the right outcome, first time.

    Your Premier Hub contact number: 03300 532 045
    Your dedicated mailbox is connect@vidahomeloans.co.uk

    What you can expect from the Premier Hub:

    • No assessment fee exclusive.
    • Access to our Packager Tier (available to you through a non-Packaged route) for those clients with more recent credit blips.
    • Premier Hub Specialists – dedicated to helping you every step of the way.
    • A dedicated team of experienced underwriters and lending specialists working for you and your clients.
    • Dedicated contact, with priority phone line and email.
    • We’ll prioritise your cases, offering comprehensive case support from pre-application to completion.
    • And to speed things along we will instruct the valuation when we receive your application if an AVM is not possible, unless you specifically tell us you want us to wait until our underwriter has carried out their initial review. If we can’t proceed after this review, and we have instructed the valuation, we will refund the fee.
    • And don’t forget our Service Pledge - £195 payment to the customer for anything other than excellent service.

    Get the download

    Grab copies of your Premier Hub Product & Criteria Guides, here.

    Premier Hub Residential Product Guide

    Premier Hub Buy to Let Product Guide

    Premier Hub Criteria Guide - Residential & Buy to Let

    Premier Hub Foreign Nationals Residential Exclusive

    Help Submitting your application

    We understand that every mortgage lender has its own processes and individual requirements, and we understand it can be very confusing, and at times, frustrating. But, the more we can see at the start of the application, the better it is for you as we will be able to provide a quicker lending decision. Here's some useful information for submitting your next case:

    Residential Application Checklist

    Buy to Let Application Checklist

    Mandatory Documents Intermediary Guide

    Want fast offers? Here’s how you can help us help you! New

    Meet the DreamTeam

    Whether it’s a complex case or a quick query, Premier Hub is here to help you get the right outcome, first time. Meet your Premier Hub team members, here.

    Hi, I'm Jacqui. I joined Vida in August 2017 as an Underwriter, having previously worked at various other lenders in Underwriter positions. I became a Senior Underwriter in August 2019 and worked within the Technical Team, looking at more complex cases and supporting with training and development of new and existing underwriters. I joined the V-Hub as the Manager in March 2023 and have seen the team grow from the launch of the V-Hub to what it is today. I’m excited to now move into a new role, supporting our Premier Hub partners as the Team Manager.

    Hi, I'm Patsy. I joined Vida in 2017 as a Mortgage Lending Administrator and soon after, joined the TBDM team. In December 2022 the V-Hub was formed and I became an Intermediary Engagement Specialist, helping brokers with criteria queries, case updates and registrations. Prior to my time at Vida, I was a travel agent! I can’t wait for the Premier Hub to get started so we can provide that additional support and service to our intermediary partners.

    Hi, I’m Kiya, a Premier Hub Specialist with five years of experience in the mortgage sector. I’ve been with Vida Bank for nearly 2 years, where I support brokers with everything from criteria-related queries to system issues. I am passionate about making the mortgage process as smooth as possible and pride myself on offering clear, helpful guidance every step of the way.

    Hi, my name is Jaspal. I have worked for Vida for the past 9 years. I have extensive knowledge of the internal systems and criteria. I take pride in providing exceptional service to all intermediaries.

    Your new Premier Hub contact number: 03300 532 045

    Save it now, and use it get in touch with your new Premier Hub team. Whether it’s a complex case or a quick query, Premier Hub is here to help you get the right outcome, first time.

    Prefer to email?
    Your dedicated mailbox is connect@vidahomeloans.co.uk

    Square pegs welcome!


    We're the specialists in specialist mortgages, we understand complex borrower circumstances and our breadth of criteria aims to help more people find a place to call home. Whether it’s complex income, credit blips or unconventional property types, we understand that real life doesn't fit neatly into a tick box. So if your case doesn't fit the mould, it might just fit with us!

    Here's just a few of our criteria highlights to help you get life moving for more specialist clients.

    Residential

    Up to 97% LTV

    Recently refreshed affordability assessment

    Mortgage term up to 45 years

    Max age of 80 at end of term

    Right to Buy & Acquire

    Joint Borrower, Sole Proprietor

    Up to 6x LTI for Application Incomes >£40K (LTI offered is subject to affordability checks)

    Permanent rights to reside, EU/EEA/Swiss settled status or indefinite leave to remain can borrow up to scheme limits.

    Up to 75% LTV for those on a visa without indefinite leave to remain who have:
    Lived in the UK for the past 12 months
    Any time remaining on their visa i.e., no limit to months remaining

     

    3 standard adverse tiers

    Debt consolidation to 85% LTV

    Defaults & CCJs <£250 ignored for tier allocation

    Exclusive Packager tier (including Defaults & CCJs in last 6 months, Bankruptcy / IVA discharged over 1 year ago and previous repossessions over 3 years ago)

    No secured arrears within the last 6 months

     

    Ex-Public Sector properties

    New Build

    Flats above or adjacent to commercial accepted

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

    Right to Buy properties now accepted

     

    Self-employed (minimum 1 year trading)

    100% of regular bonus income

    75% of regular overtime and commission income

    Contractors (inc. Day 1, CIS, zero hours and piecework)

    Multiple income sources

    Benefits income

    Wide breadth of deposit sources acceptable

    1 - 4 applicants

    Buy to Let

    First Time Landlords

    First Time Buyers

    Personal Investors

    Professional Landlords, including SPVs with no minimum trading period

    Unlimited portfolio size, maximum 20 properties or £4m lending with Vida

    4 adverse tiers, supporting landlords with credit blips

    Up to 85% LTV

    Up to 6 bedrooms / self-contained flats

    Student lets considered

    First Time Landlords

    Up to 75% LTV

    Expats living or working in select worldwide and EEA countries

    Includes HMO/MUB

    First Time Landlords (up to £500k loan)

    Ex-Public Sector properties

    New Build

    Flats above or adjacent to commercial considered

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

     

    Up to 85% LTV

    No minimum income

    Rental assessment at 125% for BRT payers and Limited Company SPV, 140% for HRT payers

    Debt consolidation considered

    1 - 4 applicants

    Loans up to £2m

    Term up to 45 years

    Max age of 85 at end of term

    Let's Get Life Moving

    Get ready for seriously satisfying service - your Premier Hub is now LIVE!

    Your new Premier Hub contact number: 03300 532 045

    Save it now, and use it get in touch with your new Premier Hub team. Whether it’s a complex case or a quick query, Premier Hub is here to help you get the right outcome, first time.

    Prefer to email?
    Your dedicated mailbox is connect@vidahomeloans.co.uk

    Login to start a DIP Need to register? Click here