Introducing our Pathway Range

Introducing our Pathway Range - the route to homeownership with Vida at 90% LTV and above.

Buying a first home is a big step - and we’re here to make it easier and more accessible. Pathway includes products at 90%, 95% and 97% LTV, giving customers more choice and flexibility with lower deposits. Vida’s Pathway products come with no assessment fee, for a limited time.

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Product perfection

Get life moving for your specialist customers with our Residential product range.

Transparent tiering

Our simplified tiering makes it even easier for you to find the best solution for your specialist customers.

Intermediary support with V-Hub

Get direct access to the Underwriter handling your case through the V-Hub.

Our Service Pledge

Service excellence or we'll refund the administration fee - it's as simple as that.

Customer Credit Profiles

Should your customer have adverse that falls outside of our three Credit Tiers, we still may be able to help with our Packager Tier.

Criteria	Vida 36	Vida 24	Vida 6	Packager
Time since the last default where the amount was £500 or more***	0 in 36	0 in 24	0 in 6	Considered < 6 months
Time since the last CCJ where the amount was £500 or more***	0 in 36	0 in 24	0 in 6	Considered < 6 months
Worst status Secured Payments* (months)	0 in last 36	3 in last 24		Considered (no max)
Worst status Secured Payments* (months)	No secured arrears allowed within the last 6 months
Number of missed unsecured payments ≥ £250 in the last 6 months	1 in 6	2 in 6	3 in 6	Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed	3 years +			1 year +
Previous repossessions	6 years +			3 years +

*All historic secured arrears must have been made up to date for at least 6 months prior to application.
**Unsecured includes unsecured loans, hire purchases, store cards, credit cards and current accounts.
***All CCJs and Defaults less than £500 are excluded from product tiering.
• Debt Management Plan/Debt Arrangement Schemes may be considered at Underwriter discretion - subject to satisfactory affordability and conduct checks.
Higher LTV Credit Requirements
• All LTVs above 90% require the customer’s credit file to be up to date with no current arrears on major unsecured items*.
• For Vida 24 and Vida 6 products, any LTV above 85% requires the customer’s credit file to be up to date with no current arrears on major unsecured items*.
*Unsecured includes unsecured loans, hire purchases, store cards, credit cards and current accounts.

Vida 36
Time since the last default where the amount was £500 or more***	0 in 36
Time since the last CCJ where the amount was £500 or more***	0 in 36
Worst Status Secured Payments* (months)	0 in last 36
Number of missed unsecured payments >£250 in the last 6 months**	1 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +

VIDA 24
Time since the last default where the amount was £500 or more***	0 in 24
Time since the last CCJ where the amount was £500 or more***	0 in 24
Worst Status Secured Payments* (months)	3 in last 24
Number of missed unsecured payments >£250 in the last 6 months**	2 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +

Vida 6
Time since the last default where the amount was £500 or more***	0 in 6
Time since the last CCJ where the amount was £500 or more***	0 in 6
Worst Status Secured Payments* (months)	3 in last 24
Number of missed unsecured payments >£250 in the last 6 months**	3 in 6
Bankruptcy / IVA / DRO / Trust Deed	3 years +
Previous repossessions	6 years +
Worst Status Secured Payments* (months)	3 in 24

PACKAGER
Time since the last default where the amount was £500 or more***	Considered < 6 months
Time since the last CCJ where the amount was £500 or more***	Considered < 6 months
Worst Status Secured Payments* (months)	Considered (no max)
Number of missed unsecured payments >£250 in the last 6 months**	Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed	1 year +
Previous repossessions	3 years +

Residential Mortgage Products

Introducing our Pathway Range - the route to homeownership with Vida at 90% LTV and above.

Limited Editions

2 year fixed

Limited Edition - 2 year fixed

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

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Standard	95% Pathway	Vida 36	6.11%	£995	£750k	n/a
Standard Cashback	95% Pathway	Vida 36	6.43%	£995	£750k	£1,250
Fee Saver Cashback	95% Pathway	Vida 36	6.82%	£0	£750k	£1,250

Additional information

Minimum loan £50k.

ERCs

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

Fee Saver

Fee free, no assessment fee, free valuation on properties up to £500k

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

2 year - 31/07/2028

Core Range PATHWAY RANGE LAUNCHED

2 year fixed

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

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback	75%	Vida 36	5.22%	£995	£2m	£500
		Vida 24	5.42%
		Vida 6	5.74%
		Packager	6.69%
Standard	80%	Vida 36	5.35%	£995	£1.5m	n/a
		Vida 24	5.60%
		Vida 6	6.10%
	85%	Vida 36	5.54%	£995	£1.5m	n/a
		Vida 24	5.87%
		Vida 6	6.32%
Cashback	90% Pathway	Vida 36	6.18%	£995	£1.5m	£1,250
		Vida 24	6.63%
		Vida 6	7.69%
Fee Saver Cashback	75%	Vida 36	6.05%	£0	£2m	£500
		Vida 24	6.25%
		Vida 6	6.57%
Fee Saver	80%	Vida 36	6.17%	£0	£1.5m	n/a
		Vida 24	6.43%
		Vida 6	6.89%
	85%	Vida 36	6.38%	£0	£1.5m	n/a
		Vida 24	6.68%
		Vida 6	7.15%
Fee Saver Cashback	90% Pathway	Vida 36	6.88%	£0	£1.5m	£1,250
		Vida 24	7.23%
		Vida 6	8.29%

Additional information

Minimum loan £50k

ERCs

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

Fee Saver

Fee free, no assessment fee, free valuation on properties up to £500k

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

2 year - 31/07/2028

5 year fixed

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

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback	75%	Vida 36	5.45%	£995	£2m	£500
		Vida 24	5.46%
		Vida 6	5.59%
		Packager	6.56%
Standard	80%	Vida 36	5.60%	£995	£1.5m	n/a
		Vida 24	5.65%
		Vida 6	5.74%
	85%	Vida 36	5.71%	£995	£1.5m	n/a
		Vida 24	5.90%
		Vida 6	5.92%
Cashback	90% Pathway	Vida 36	6.04%	£995	£1.5m	£1,250
		Vida 24	6.38%
		Vida 6	7.27%
	95% Pathway	Vida 36	6.42%	£995	£750k	£1,250
		Vida 24	6.91%
		Vida 6	7.57%
	97% Pathway	Vida 36	6.96%	£995	£750k	£1,250

Additional information

Minimum loan £50k.

ERCs

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

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 31/07/2031

5 year fixed - Fee Saver

5 year fixed rate - Fee Saver
Available for both purchase and remortgages.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback	75%	Vida 36	5.67%	£0	£2m	£500
		Vida 24	5.68%
		Vida 6	5.82%
Standard Fee Saver	80%	Vida 36	5.82%	£0	£1.5m	n/a
		Vida 24	5.88%
		Vida 6	5.96%
	85%	Vida 36	5.93%	£0	£1.5m	n/a
		Vida 24	6.12%
		Vida 6	6.14%
Cashback Fee Saver	90% Pathway	Vida 36	6.26%	£0	£1.5m	£1,250
		Vida 24	6.60%
		Vida 6	7.50%
	95% Pathway	Vida 36	6.72%	£0	£750k	£1,250
		Vida 24	7.26%
		Vida 6	7.77%
	97% Pathway	Vida 36	7.31%	£0	£750k	£1,250

Additional information

Minimum loan £50k

ERCs

5 year

5% until 31/07/2027

5% until 31/07/2028

4% until 31/07/2029

3% until 31/07/2030

2% until 31/07/2031

Fee Saver

Fee free, no assessment fee, free valuation on properties up to £500k

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 31/07/2031

Right to Buy

2 year fixed

Right to Buy - 2 year fixed

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

LTV	Tier	Initial rate	Fee	Max loan
75%	Vida 36	6.29%	£995	£2m
	Vida 24	6.34%
	Vida 6	6.69%
	Packager	6.99%

Additional information

Minimum loan £50k.

ERCs

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

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

2 year - 31/07/2028

5 year fixed

Right to Buy - 5 year fixed
A minimum term of 6 years is required.

We will need to see:
- Section 125 or RTA 3 from the Local Authority/Housing Association

LTV	Tier	Initial rate	Fee	Max loan
75%	Vida 36	6.21%	£995	£2m
	Vida 24	6.32%
	Vida 6	6.76%
	Packager	7.09%

Additional information

Minimum loan £50k.

ERCs

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

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 31/07/2031

Foreign Nationals

2 year fixed

Foreign Nationals - 2 year fixed

Available for both purchase and remortgages.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback	75%	Vida 36	5.32%	£995	£2m	£500
		Vida 24	5.52%
		Vida 6	5.84%
	90% Pathway	Vida 36	6.48%		£1.5m	£1,250
		Vida 24	6.93%
		Vida 6	7.99%
Cashback Fee Saver	75%	Vida 36	6.15%	£0	£2m	£500
		Vida 24	6.35%
		Vida 6	6.67%
	90% Pathway	Vida 36	7.18%		£1.5m	£1,250
		Vida 24	7.53%
		Vida 6	8.59%

Additional information

Minimum loan £50k.

ERCs

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

Fee Saver

Fee free, no assessment fee
free valuation on properties up to £500k

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

2 year - 31/07/2028

5 year fixed

Foreign Nationals - 5 year fixed
A minimum term of 6 years is required.

Product Type	LTV	Tier	Initial rate	Fee	Max loan	Cashback
Cashback	75%	Vida 36	5.55%	£995	£2m	£500
		Vida 24	5.56%
		Vida 6	5.69%
	90% Pathway	Vida 36	6.34%		£1.5m	£1,250
		Vida 24	6.68%
		Vida 6	7.57%
Cashback Fee Saver	75%	Vida 36	5.77%	£0	£2m	£500
		Vida 24	5.78%
		Vida 6	5.92%
	90% Pathway	Vida 36	6.56%		£1.5m	£1,250
		Vida 24	6.90%
		Vida 6	7.80%

Additional information

Minimum loan £50k.

ERCs

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

Fee Saver

Fee free, no assessment fee
free valuation on properties up to £500k

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 31/07/2031

Residential calculator

Want to know how much we could lend your customers without logging into the Vida Application System for a DIP?

Go to calculator

Residential criteria highlights

Self employed

Minimum 1 years trading required

2 years evidence of income required unless only 1 years available due to time trading

Salary, dividends and net profit considered
Accepted across all products

Joint Borrower Sole Proprietor

Up to 4 applicants accepted

All incomes considered in affordability

Parents (including step-parents and parents of a spouse) and children (including step or adopted), siblings, grandparents, aunts, uncles, cousins and nieces/nephews) accepted.

Contractor & short work history

48x weekly rate for self employed

Day 1 contractors considered with a minimum 1-years track record of employment within the same line of work

Minimum 3 months remaining on current contract

Contractors of any profession

CIS workers & Umbrella contractors accepted.

Specialist Properties

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

Search all criteria

Useful Residential Documents

For help with mortgage documentation, the application process or to find out more about our products & criteria, call the V-Hub on 03300 246 246

Guides & Resources

Case studies

Product Guides, Application Checklists and Residential resources you might find useful

🗎 Residential Rate Sheet

🗎 Residential Application Checklist

🗎 Mandatory Documents Intermediary Guide

🗎 First Time Buyer Guide

Our case studies will assist you in understanding how we can help more of your specialist clients

🗎 3 & Easy - Miss Nash wants to purchase her first home

🗎 Complex income - Michael and Rose want to do some renovations

🗎 First Time Buyers - Harry and Emma want their own place

🗎 Adverse - Katia and Lorenzo want to buy their home

🗎 Self Employed - Luke wants a fresh start

Got what you need?

Got questions? We’ve got answers—clear, quick, and straight to the point.

Call the V-Hub on 03300 246 246 and speak to our experienced team:

Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 10am - 5pm

Already have everything you need? You can login to the Broker Portal to start a new mortgage application or head over to our Product Switch Hub to switch an existing customer to a new deal.

You can always ask Mobi.

Mobi is your always-on digital assistant, designed specifically for brokers. Mobi delivers instant, helpful answers to your questions about Vida’s lending criteria, product range, and more when you need them.

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