Vida Homeloans is the award-winning specialist mortgage lender for residential and buy to let customers who may not fit the criteria currently demanded by high street lenders. We lend to customers who typically have some element of complexity in their personal circumstances or their investment strategies. Examples include:

  • The self-employed and business owners
  • Freelancers and contractors
  • People with multiple jobs
  • First-time buyers, including Help to Buy
  • British citizens living or working outside the UK
  • Buy to Let investors with a portfolio of properties


Vida Homeloans aims to differentiate itself from its competitors by its lending criteria and the service it provides to customers through intermediaries, combining modern technological solutions with an intelligent human underwriting process.

The complexity in your customer’s circumstances requires understanding and analysis before making a lending decision. A freeform entry field in our online application processing system helps you to help us understand your customer’s case. As a result, we can immediately ask for the necessary information (in addition to our mandatory documents) and make a quick decision.

Use the freeform field to tell us anything that might be relevant such as the reason for any missed payments or how you have worked out their non-guaranteed income.

Every Mortgage Tells a Story

Vida is 100% committed to intermediaries

Vida Homeloans distributes its mortgages exclusively through the intermediary market, supporting brokers with dedicated Key Account Managers and Telephone BDMs covering all of England, Wales and mainland Scotland. Intermediaries also have direct access to experienced underwriting decision-makers.

Membership of Trade Bodies

Vida Homeloans is a member of UK Finance, the Intermediary Mortgage Lenders Association (IMLA) and the Association of Mortgage Intermediaries (AMI).

Service Standards

  • 100% online application - no paper required
  • Online decision in principle possible in less than 10 minutes, full mortgage application possible in less than 15 minutes.
  • Auto-cascade system - both ways - results in the right product and rate for your customer
  • Auto-email updates and 24/7 case tracking keep you fully informed
  • We publish our current service levels on our home page