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Our mission is to help give everyone a safe place to call home, and we therefore need to understand your customers and their individual circumstances in detail to ensure we are lending responsibly. Once an application is submitted, we provide a list of what documents we need to support their application, in order for us to make an early lending decision so that you know as early as possible whether Vida will be able to lend to your customer.

We understand that every mortgage lender has its own processes and individual requirements, and we can 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.

Understanding our process and what documentation we will need to see will help you get the information early.

  • Decision in principle

    At DIP stage we ask for detailed information so we can establish at this early stage whether we can lend to your customer. Once a DIP has been accepted we will issue you with a DIP certification with a full list of mandatory documents we need you to upload at Application stage.

    Here are some useful additional guides for submitting applications:





  • Full Mortgage Application

    Once the application form has been completed, you will need to upload the required mandatory documents and pay the applicable fee in order to submit your application. This will give our underwriters the best possible opportunity to make a quick decision for your customers.

    For the best possible customer journey, please ensure the right documents are uploaded right first time.

    Every mortgage tells a story, so please ensure you provide us with all the details about your customers individual circumstances so that we can build a full picture, giving our underwriters insight to make an accurate decision.


    Once your documents have been uploaded and submitted, these will be vetted by our Administration team and then passed on to the Underwriter. We would encourage you to ensure requested documents are uploaded in a suitable format for review to support a swift decision.

    As part of our on-going service enhancements, Buy to Let valuations will now be instructed as soon as the application is submitted with fees paid. For Residential applications and where choosing a Residential or BTL Fee Saver Product, valuations will be instructed once an underwriter has conducted their initial review.


    Once the application has been vetted, it will be moved to Initial Underwrite stage to be reviewed by the Underwriter, alongside any uploaded documentation.

    Following the Underwriter's initial assessment of the application and supporting documents, they may ask for further documentation to assist their lending decision.


    Once the valuation has been received, and any additional requested shopping list documents have been received and passed vetting, your application will be referred to the Underwriter for review and preparation for offer.

    If the documentation is not uploaded correctly or additional information is needed, we'll drop you a line to explain what else we need to see before progressing the case.

Get Life Moving

Got a case? Talk to our team

03300 246 246:

Option 1: for New Case enquiries
Option 2: for existing case or post DIP enquiries


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