We've got your cash back

Our brand-new Cashback range is now available, giving your Residential customers extra value and you more reasons to place your cases with Vida.

With £1,250 Cashback available on Residential products over 90% LTV, including our '3&Easy' 97% LTV range.

No hidden catches – just straightforward Cashback to support more of your customers. All backed by the Vida Service Pledge.

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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.

CriteriaVida 36Vida 24Vida 6Packager
Months since last default ≥ £2500 in 360 in 240 in 6Considered < 6 months
Months since last CCJ ≥ £2500 in 360 in 240 in 6Considered < 6 months
Worst status Secured Payments* (months)0 in last 363 in last 24Considered (no max)
No secured arrears allowed within the last 6 months
Number of missed unsecured payments ≥ £250 in the last 6 months1 in 62 in 63 in 6Considered (no max)
Bankruptcy / IVA / DRO / Trust Deed3 years +1 year +
Previous repossessions6 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 default0 in 36
    Months since last CCJ0 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 Deed3 years +
    Previous repossessions6 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 Deed3 years +
    Previous repossessions6 years +
  • Vida 6
    Months since last default0 in 6
    Months since last CCJ0 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 Deed3 years +
    Previous repossessions6 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 Deed1 year +
    Previous repossessions3 years +

Residential Mortgage Products

 

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

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback75%Vida 365.42%£995£2m£500
Vida 245.94%
Vida 66.18%
Packager6.88%
Standard80%Vida 365.50%£995£1.5mn/a
Vida 246.02%
Vida 66.30%
85%Vida 365.74%£995£1.5mn/a
Vida 246.07%
Vida 66.78%
Cashback90%Vida 366.38%£995£1.5m£1,250
Vida 247.02%
Vida 67.89%
Fee Saver Cashback75%Vida 366.25%£0£2m£500
Vida 246.77%
Vida 67.01%
Fee Saver80%Vida 366.32%£0£1.5mn/a
Vida 246.85%
Vida 67.09%
85%Vida 366.58%£0£1.5mn/a
Vida 246.88%
Vida 67.61%
Fee Saver90%Vida 367.08%£0£1.5m£1,250
Vida 247.62%
Vida 68.49%

Additional information

Minimum loan £50k

ERCs

2 year
4% until 30/04/2027
3% until 30/04/2028

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 - 30/04/2028

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

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback75%Vida 365.60%£995£2m£500
Vida 245.71%
Vida 65.72%
Packager6.76%
Standard80%Vida 365.67%£995£1.5mn/a
Vida 245.76%
Vida 65.85%
85%Vida 365.91%£995£1.5mn/a
Vida 246.11%
Vida 66.12%
Cashback90%Vida 366.09%£995£1.5m£1,250
Vida 246.53%
Vida 67.27%
95%Vida 366.62%£995£750k£1,250
Vida 246.91%
Vida 67.57%
97%
3&EASY		Vida 367.16%£995£750k£1,250

Additional information

Minimum loan £50k.

ERCs

5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031

 

 

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 30/04/2031

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

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback75%Vida 365.82%£0£2m£500
Vida 245.93%
Vida 65.95%
Standard80%Viida 365.89%£0
£1.5m
n/a
Vida 245.99%
Vida 66.07%
85%Vida 366.13%£0
£1.5m
n/a
Vida 246.33%
Vida 66.34%
Cashback Fee Saver90%Vida 366.31%£0
£1.5m
£1,250
Vida 246.75%
Vida 67.50%
95%Vida 366.92%£0
£750k
£1,250
Vida247.26%
Vida 67.77%
97%
3&EASY		Vida 367.51%£0£750k£1,250

Additional information

Minimum loan £50k

ERCs

5 year

5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031


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 - 30/04/2031

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.

LTVTierInitial rateFeeMax loan
75%Vida 366.79%
£995£2m
Vida 246.84%
Vida 67.19%
Packager7.44%

Additional information

Minimum loan £50k.

ERCs

2 year
4% until 30/04/2027
3% until 30/04/2028

 

 

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

2 year - 30/04/2028

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.

LTVTierInitial rateFeeMax loan
75%Vida 366.31%
£995£2m
Vida 246.52%
Vida 66.86%
Packager7.19%

Additional information

Minimum loan £50k.

ERCs

5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031

 

 

Vida Variable rate (VVR)

6.05% set on 01.09.2025

Revert Rate

8.69% (VVR + 2.64%)

Product terms fixed until:

5 year - 30/04/2031

Foreign Nationals - 2 year fixed

Available for both purchase and remortgages.

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback75%Vida 365.52%£995£2m£500
Vida 246.04%
Vida 66.28%
90%Vida 366.68%£1.5m£1,250
Vida 247.32%
Vida 68.19%
Cashback
Fee Saver		75%Vida 366.35%£0£2m£500
Vida 246.87%
Vida 67.11%
90%Vida 367.38%£1.5m£1,250
Vida 247.92%
Vida 68.79%

Additional information

Minimum loan £50k.

ERCs

2 year
4% until 30/04/2027
3% until 30/04/2028

 

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 - 30/04/2028

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

 

Product TypeLTVTierInitial rateFeeMax loanCashback
Cashback75%Vida 365.70%£995£2m£500
Vida 245.81%
Vida 65.82%
90%Vida 366.39%£1.5m£1,250
Vida 246.83%
Vida 67.57%
Cashback
Fee Saver		75%Vida 365.92%£0£2m£500
Vida 246.03%
Vida 66.05%
90%Vida 366.61%£1.5m£1,250
Vida 247.05%
Vida 67.80%

Additional information

Minimum loan £50k.

ERCs

5 year
5% until 30/04/2027
5% until 30/04/2028
4% until 30/04/2029
3% until 30/04/2030
2% until 30/04/2031

 

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 - 30/04/2031

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Residential calculator

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

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Residential criteria highlights


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

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