• Up to 90% LTV - helping more clients get on the ladder with a lower deposit
• Wider Visa acceptance - Now includes expanded list of eligible Visas (12 different Visa types)
• Tailored Fixed Rates - 2 and 5 year fixed options
• Products available across Vida 6, 24 and 36 credit tiers
Get life moving for your specialist customers with our Residential product range.
Our simplified tiering makes it even easier for you to find the best solution for your specialist customers.
Get direct access to the Underwriter handling your case through the V-Hub.
Service excellence or we'll refund the administration fee - it's as simple as that.
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 |
|---|---|---|---|---|
| Months since last default ≥ £250 | 0 in 36 | 0 in 24 | 0 in 6 | Considered < 6 months |
| Months since last CCJ ≥ £250 | 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) | |
| 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
• 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 | |
|---|---|
| Months since last default | 0 in 36 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | 0 in 24 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | 0 in 6 |
| Months since last CCJ | 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 | |
|---|---|
| Months since last default | Considered < 6 months |
| Months since last CCJ | 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 + |
Some things, like a first home for a lifelong renter or a spacious next home for an expanding family, might seem worth the wait. Yet, nobody likes waiting. That’s why we created 3 & Easy, to help your customers into the home they want to own, sooner than they hoped they could. A 97% mortgage, along with all the usual flexible Vida criteria and common-sense underwriting, designed to help you help your customers turn dreams into reality sooner using just a 3% deposit!
| Product | Type | LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|---|---|
| Core | Standard | 97% | Vida 36 | 7.04% | £995 | £750k |
| Fee Saver | 97% | Vida 36 | 7.39% | £0 | £750k |
Minimum loan £50k.
5 year
5% until 31/01/2027
5% until 31/01/2028
4% until 31/01/2029
3% until 31/01/2030
2% until 31/01/2031
Fee free, no assessment fee, free valuation on properties up to £500k
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
5 year - 31/01/2031
Standard range - 2 year fixed rate.
Available for both purchase and remortgages.
| Product | Type | LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|---|---|
| Core | Standard | 75% | Vida 36 | 6.05% | £995 | £2m |
| Vida 24 | 6.13% | |||||
| Vida 6 | 6.43% | |||||
| Packager | 6.83% | |||||
| 80% | Vida 36 | 6.11% | £995 | £1.5m | ||
| Vida 24 | 6.14% | |||||
| Vida 6 | 6.60% | |||||
| 85% | Vida 36 | 6.25% | £995 | £1.5m | ||
| Vida 24 | 6.61% | |||||
| Vida 6 | 6.88% | |||||
| 90% | Vida 36 | 6.72% | £995 | £1.5m | ||
| Vida 24 | 7.15% | |||||
| Vida 6 | 7.59% |
Minimum loan £50k
2 year
4% until 31/01/2027
3% until 31/01/2028
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
2 year - 31/12/2027
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 |
|---|---|---|---|---|---|---|
| Core | Standard | 75% | Vida 36 | 5.61% | £995 | £2m |
| Vida 24 | 5.66% | |||||
| Vida 6 | 5.90% | |||||
| Packager | 6.76% | |||||
| 80% | Vida 36 | 5.65% | £995 | £1.5m | ||
| Vida 24 | 5.76% | |||||
| Vida 6 | 5.96% | |||||
| 85% | Vida 36 | 5.96% | £995 | £1.5m | ||
| Vida 24 | 6.17% | |||||
| Vida 6 | 6.45% | |||||
| 90% | Vida 36 | 6.06% | £995 | £1.5m | ||
| Vida 24 | 6.51% | |||||
| Vida 6 | 7.15% | |||||
| 95% | Vida 36 | 6.50% | £995 | £750k | ||
| Vida 24 | 6.79% | |||||
| 97% 3&EASY | Vida 36 | 7.04% | £995 | £750k |
Minimum loan £50k.
5 year
5% until 31/01/2027
5% until 31/01/2028
4% until 31/01/2029
3% until 31/01/2030
2% until 31/01/2031
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
5 year - 31/01/2031
2 year fixed rate - Fee Saver
Available for both purchase and remortgages.
| Product | Type | LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|---|---|
| Core | Fee Saver | 75% | Vida 36 | 6.88% | £0 | £2m |
| Vida 24 | 6.96% | |||||
| Vida 6 | 7.26% | |||||
| 80% | Vida 36 | 6.93% | £1.5m | |||
| Vida 24 | 6.97% | |||||
| Vida 6 | 7.39% | |||||
| 85% | Vida 36 | 7.09% | £1.5m | |||
| Vida 24 | 7.42% | |||||
| Vida 6 | 7.71% | |||||
| 90% | Vida 36 | 7.42% | £1.5m | |||
| Vida 24 | 7.75% | |||||
| Vida 6 | 8.19% |
Minimum loan £50k
2 year
Fee free, no assessment fee, free valuation on properties up to £500k
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
2 year - 31/01/2028
5 year fixed rate - Fee Saver
Available for both purchase and remortgages.
| Product | Type | LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|---|---|
| Core | Fee Saver | 75% | Vida 36 | 5.83% | £0 | £2m |
| Vida 24 | 5.88% | |||||
| Vida 6 | 6.13% | |||||
| 80% | Vida 36 | 5.88% | £1.5m | |||
| Vida 24 | 5.99% | |||||
| Vida 6 | 6.18% | |||||
| 85% | Vida 36 | 6.18% | £1.5m | |||
| Vida 24 | 6.40% | |||||
| Vida 6 | 6.67% | |||||
| 90% | Vida 36 | 6.28% | £1.5m | |||
| Vida 24 | 6.73% | |||||
| Vida 6 | 7.38% | |||||
| 95% | Vida 36 | 6.80% | £750k | |||
| Vida 24 | 7.14% | |||||
| 97% 3&EASY | Vida 36 | 7.39% | £750k |
Minimum loan £50k
5 year
Fee free, no assessment fee, free valuation on properties up to £500k
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
5 year - 31/01/2031
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
- Last 12 months rental payments. Any missed rental payments will be treated as missed mortgage payments for tier allocation.
| LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|
| 75% | Vida 36 | 6.79% | £995 | £2m |
| Vida 24 | 6.84% | |||
| Vida 6 | 7.19% | |||
| Packager | 7.44% |
Minimum loan £50k.
2 year
4% until 31/01/2027
3% until 31/01/2028
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
2 year - 31/01/2028
Right to Buy - 5 year fixed
A minimum term of 6 years is required.
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.
| LTV | Tier | Initial rate | Fee | Max loan |
|---|---|---|---|---|
| 75% | Vida 36 | 6.31% | £995 | £2m |
| Vida 24 | 6.56% | |||
| Vida 6 | 6.86% | |||
| Packager | 7.19% |
Minimum loan £50k.
5 year
5% until 31/01/2027
5% until 31/01/2028
4% until 31/01/2029
3% until 31/01/2030
2% until 31/01/2031
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
5 year - 31/01/2031
Foreign Nationals - 2 year fixed
Available for both purchase and remortgages.
| Type | LTV | Tier | Initial rate | Fee | Max Loan |
|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 6.15% | £995 | £2m |
| Vida 24 | 6.23% | ||||
| Vida 6 | 6.53% | ||||
| 90% | Vida 36 | 7.02% | £1.5m | ||
| Vida 24 | 7.45% | ||||
| Vida 6 | 7.89% | ||||
| Fee Saver | 75% | Vida 36 | 6.98% | £0 | £2m |
| Vida 24 | 7.06% | ||||
| Vida 6 | 7.36% | ||||
| 90% | Vida 36 | 7.72% | £1.5m | ||
| Vida 24 | 8.05% | ||||
| Vida 6 | 8.49% |
Minimum loan £50k.
2 year
4% until 31/01/2027
3% until 31/01/2028
Fee Saver
Fee free, no assessment fee
free valuation on properties up to £500k
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
2 year - 31/01/2028
Foreign Nationals - 5 year fixed
A minimum term of 6 years is required.
| Type | LTV | Tier | Initial rate | Fee | Max Loan |
|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 5.71% | £995 | £2m |
| Vida 24 | 5.76% | ||||
| Vida 6 | 6.00% | ||||
| 90% | Vida 36 | 6.36% | £1.5m | ||
| Vida 24 | 6.81% | ||||
| Vida 6 | 7.45% | ||||
| Fee Saver | 75% | Vida 36 | 5.93% | £0 | £2m |
| Vida 24 | 5.98% | ||||
| Vida 6 | 6.23% | ||||
| 90% | Vida 36 | 6.58% | £1.5m | ||
| Vida 24 | 7.03% | ||||
| Vida 6 | 7.68% |
Minimum loan £50k.
5 year
5% until 31/01/2027
5% until 31/01/2028
4% until 31/01/2029
3% until 31/01/2030
2% until 31/01/2031
Fee Saver
Fee free, no assessment fee
free valuation on properties up to £500k
6.30% set on 01.06.2025
8.94% (VVR + 2.64%)
5 year - 31/01/2031
Want to know how much we could lend your customers without logging into the Vida Application System for a DIP?
Go to calculator
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
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.
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.
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
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
🗎 Residential Application Checklist
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