Submitting a Property Portfolio

Vida Homeloans have partnered with eTECH Solutions Limited to make submitting your customers wider property portfolio quicker and easier.

Benefits for using the BTL Hub for submitting a portfolio are:

  • Complete oversight and management of applications in one intuitive dashboard.
  • Ability to create new property portfolios based on previous application data and create duplicate jobs saving time
  • Ability to give access direct to the customer so that they can manage their own portfolio on the BTL Hub
  • Excel import using either your own template or Vida Homeloans Property Portfolio Schedule
  • Current EPC ratings displayed against each property in a portfolio.


Register to use the BTL Hub

Before you can use our platform, you will need to register using the link below.

You will then be sent an authentication email once you have registered which needs to be actioned within two hours of receipt.  If unable to action within this time you will need to restart the registration process. Once registered you will have the ability to manage your own user accounts.

More details of how to do this can be found on pages 2 & 3 of the user guide.




Send a Link Request to VIDA

Once registered with BTL Hub and you have an active account you will need to send a link request to Vida Homeloans in order to submit your customers portfolio details. This is done via the Lender Page.

Please allow up to 24 hours for your lender registration to be activated; Vida Homeloans will notify you directly once this has been reviewed.

More details of how to do this can be found on pages 5 & 6 of the user guide.


Submit a Property Portfolio

On the Broker Portal once you get to the Submit Application stage you will be asked to provide Vida Homeloans with your customers property portfolio information as part of the mandatory shopping list items.

To do this log in to the BTL HUB and create a case for your customer(s) and enter the portfolio information. 

Prior to submitting you will need to verify the property addresses and assign the ownership.

Once submitted we will require you to export the properties to a PDF and upload this document to BTL Portfolio shopping list item on the broker portal.

Page 26 of the userguide outlines how to export this information.


Useful Documentation


Why Portfolio Landlords?

Portfolio landlords (with four or more mortgaged BTL properties) do not always find it easy to remortgage from one lender to another as the breadth of lending criteria may differ widely, so it pays to find specialist BTL lenders who cover the key criteria areas that are often overlooked by the non-specialists.

Who is this product for?

  • Existing portfolio landlords who currently own 4 or more Buy to Let properties who wish to expand their portfolio further
  • Established portfolio landlords looking to remortgage some of their existing loans.

Key Lending Criteria

  • Maximum 20 properties and up to a maximum of £4,000,000 on a Vida portfolio
  • Max £1,500,000 per property
  • Expats living & working abroad
  • No limit on total number of properties in portfolio. Average LTV up to 80%
  • 1 year’s landlord experience required
  • Rental stressing only applied to mortgages held with Vida. Other properties will be assessed by comparing their rental income to the mortgage payment.
  • Trading Limited Companies & SPVs accepted
  • HMOs & MUBs accepted
  • No Minimum income
  • 40 year term available
  • All property types considered
  • Applicants can have historical impaired credit or life events – assessed on total combined adverse from all applicants, directors and shareholders