Sweet FAQs

We’ve put the answers to your frequently asked questions in one place to help you find what you need.

Your Frequently Asked Questions

 

Registering with us is quick and simple. Click here to complete our simple online registration form.

You’ll need the following information to hand when you register:

  • Company name and Financial Services Register reference number.
  • Company registered address and office address (if different) including postcode.
  • Whether you are Directly Authorised (DA) or an Appointed Representative (AR). If you’re an AR please select your network company name.
  • Business submission route - via packager, club or network
  • Personal contact details.

 

We do things a little differently at Vida. We have combined all our Intermediary-facing teams into one dedicated team of lending experts which we call V-Hub.

Through the V-Hub, you can:

  • get status updates on current cases.
  • get direct access to the Underwriter handling your case.
  • get quick answers to all your product, criteria or process questions.
  • get market insights and commentary from our experts.

You can visit the V Hub, here

Yes! Call the V-Hub on 03300 246 246 and speak directly to an experienced Underwriter about your client’s case.

Our Service Pledge - what is it?

At Vida, we’ve spent time creating a service that you can put your trust in, every time.

So much so, we’ve created the Vida Service Pledge – the most comprehensive service commitment ever seen from Vida!

Meaning we stick to our promises, and you get the commitment and consistency you deserve when submitting applications with us.

How it works?

Service excellence, or we'll refund the administration fee.

The Vida Service Pledge promises that if you feel you've had anything but excellent service from us, we’ll refund the application administration fee. It really is that simple!

Call our V-Hub

And remember, our V-Hub team and Underwriters are on hand to help you at every stage.

So why wouldn’t you come to Vida with your next case?

With our proposition, rates and service, we're the specialist lender you've always dreamed of.

We’ve put all our useful documents in one place for your convenience. Find the documents you might need by visiting our Documents page

 

The V-Hub is our Intermediary Support Team, including Underwriters and Vida lending and criteria experts. They are available to speak to you directly about any of your queries, a new case, or an update on your existing case.

DIP Referral – 24 hours

Valuation receipt – 7 days

Initial Underwriter Review – 5 working days.

Residential: Applicant’s stated retirement age or age 80, whichever is sooner.

Buy to Let: Mortgage to finish before 85th birthday

Yes, we lend in Scotland. These postcodes are currently acceptable; AB (excluding 36-38, 55), DD, DG (excluding 13, 14, 16), EH, FK (excluding 18-21), G, IV (excluding 4, 13, 21-23, 26, 27, 29, 33-35, 37-63), KA (excluding 27, 28), KW (excluding 1-7, 11+) KY, ML, PA (excluding 20-80), PH (excluding 20-42) and TD (excluding 3, 5-12.

Yes! Our Expat range is designed to help UK Nationals living and working abroad purchase or remortgage a rental property in the UK. For full details of our Expat range, including the full list of acceptable countries please see our Expat Guide.
Yes, both First Time Buyers and First Time Landlords are acceptable.

 

A First Time Buyer is defined as an applicant who has never owned a residential property.

First time landlords who currently own a residential property are accepted. Considered for HMO and MUB purchase.

For full details see our Criteria Guide

Foreign nationals will need to provide evidence of their right to reside in the UK. Those with a permanent right to reside, EU/EAA/Swiss with settled status or Indefinite leave to remain can borrow up to scheme limits.

Yes! No Bank Statements needed, just proof of entitlement which is available on your Government Gateway.

Click on the ‘Forgotten Password’ link on the log-in page and enter your email address

We will then send you a link to reset your password.

If your account has been locked please contact our V-Hub team on 03300 246 246 and select option 1.

On the Intermediary Summary page, click on ‘Upload’ next to the relevant item.

Select the relevant document(s) from your folder and click ‘Open’

Add any further descriptions or notes then click ‘Upload’

You can see your uploaded documents under ‘View’

Our Underwriters will call you after their initial review to go through any further documents needed for the case to proceed. After that, they will give you regular check in calls throughout the lifecycle of the Application, just to make sure you are comfortable with the requests and provide extra assistance.

Alternatively, you can call our V-Hub and get through to an Underwriter within 10 seconds on average and they will be able to assist.

On the Intermediary Summary page, click on Add New Note to add a message

Enter your message and click 'Save'

Click on 'Send Note to Case Owner' to notify us once your note has been saved