Intermediary Use Only
Want to know how much we could lend your customer(s) without logging into the Vida Application System for a Decision in Principle?
Please ensure ALL fields are completed with correct information, including Income & Expenditure, in order to provide a quick and accurate result.
The results given by the calculator are indicative only and will be subject to a full application and credit check.
Please note that the more information you are able to provide, the more accurate your result will be
Please note we use ONS Data for standard living costs, see help boxes for more information
We are pleased to inform you that based on what you have told us, we could lend your customer the mortgage amount requested of {{ vm.requestedLoanAmount | currency : '£' : 0 }}. We may however, be able to lend your customer up to:
{{ vm.outcome.maxLoan | currency : '£' : 0 }} depending on the details of your application and your customer's credit search results.
The estimated monthly repayment on the requested amount of {{ vm.requestedLoanAmount | currency : '£' : 0 }} is: {{ vm.outcome.estimatedMonthlyRepayment | currency : '£' : 0 }}
The estimated monthly repayment on the maximum loan amount of {{ vm.outcome.maxLoan | currency : '£' : 0 }} is: {{ vm.outcome.estimatedMonthlyRepaymentOnMaximumLoanAmount | currency : '£' : 0 }}
LTV restrictions apply: Interest Only - 75%, Maximum Loan £1,000,000 Please click here to view the Vida Lending Criteria Guide.
We are pleased to inform you that based on what you have told us, we could lend your customer the mortgage amount requested of {{ vm.requestedLoanAmount | currency : '£' : 0 }} depending on the details of your application and your customer's credit search results.
Based on the inputs you have provided, unfortunately on this occasion we are unable to lend your customer the amount requested of {{ vm.requestedLoanAmount | currency : '£' : 0 }}. Based on the information entered, we are able to lend a maximum amount of: {{ vm.outcome.maxLoan | currency : '£' : 0 }} depending on the details of your application and your customer's credit search results.
Based on the inputs you have provided, unfortunately on this occasion we are unable to lend to your customer. Please check the accuracy of the information provided.
The figures detailed above are an illustrative figure for your information and does not represent a commitment to lend the quoted amount.
Vida Homeloans only accepts mortgage applications from intermediaries where they are providing an advised sales service, with the exception of Non Consumer Buy to Let applications. It is the responsibility of the intermediary to ensure that all applicable law including, without limitation, the Financial Conduct Authority rules on advised mortgage sales are complied with including, without limitation, the provision of adequate explanations.
These results are based on the information you've input being accurate. If any details change, the results will be affected and you should undertake another Maximum Loan calculation.
Vida Homeloans applies a cascade underwriting approach at DIP stage both up and down our range of products – resulting in the right product and rate for your customer.
The results shown are indicative only, based on the specific information that you have supplied about your customer(s). The actual amount we are prepared to lend to your customer(s) is subject to a satisfactory credit reference check, confirmation of their income and expenditure and confirmation of the value and suitability of the property offered as security.
Please note that restrictions may apply to the amount we will be prepared to lend to your customer(s) based on the type of application and product chosen (e.g. different LTV or credit tiers have differing maximum loan amounts). You will need to check our lending criteria to make sure your customer(s) is eligible for the amount they wish to borrow. If any of the details you have supplied change, the amount we would be prepared to lend may also change.
These details are provided for information only and do not bind Vida Homeloans to offer a mortgage to your customer(s).
Your home may be repossessed if you do not keep up repayments on your mortgage
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