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30/08/2024
Vida launches 90% LTV Limited Edition product on 2 year fixed residential range Vida, the specialist lender, has enhanced its residential range with a new Limited Edition product at 90% LTV with a 2 year fixed rate. Available on the Vida 36 credit tier at a rate of 7.34%, the new 2 year product is in addition to the 5 year and 7 y…
27/08/2024
Brokers can change lives for first-time buyers Last month’s cut in the Bank of England Base Rate and improving expectations for jobs and growth should bode well for First-time Buyers. However, the systemic problems that affect the UK housing market remain steadfastly in place. The UK…
07/08/2024
Vida cuts rates across Buy to Let, Residential and Retention product ranges. Vida, the specialist lender, has reduced rates across its Buy to Let product range by up to 0.25%, Residential products by up to 0.30%, and on their Product Transfer retention range by up to 0.35%.The products available can be coupled with Vida’s s…
10/07/2024
Vida cuts rates across Buy to Let, launches new Buy to Let Limited Editions and enhances adverse tiering. Vida, the specialist lender, has reduced rates across its Buy to Let product range by up to 0.35%, and on their Product Transfer range by 0.20%.The lender has also launched new, Buy to Let Limited Edition products, for individual dwellings or for Hous…
02/07/2024
When lending worlds collide. Meet the ‘olderpreneurs’ The mortgage market is replete with micro markets but every now and then societal trends come together to create an entirely new opportunity. This is the case with ‘olderpreneurs.’ Buying a house fifty years ago was a relatively st…
18/06/2024
Video: Criteria wrap-up - Lending into Retirement Criteria wrap-up on Lending into Retirement with Ollie Smith, National Account Manager    Video transcriptHi, Ollie here, National Account Manager at Vida Homeloans talking to you today around our lending into retirement poli…
06/06/2024
Vida cuts rates across both Buy to Let and Residential Ranges. Vida, the specialist lender, has reduced rates across its Buy to Let and Residential product ranges by up to 0.35%.The Buy to Let reductions are spread across both 2 and 5 year products with the largest reductions reserved for HMOs/MUBs and Expat…
03/06/2024
Living and working longer is changing the shape of the housing market and the borrowing needs of those in it. At the time of writing, the US Federal Reserve had just kept its key rate at a two-decade high of roughly 5.3%. Jerome Powell reiterated that the US central bank doesn’t plan to cut interest rates until it has “greater confidence” th…
02/05/2024
Video: Criteria wrap-up - First Time Buyers Criteria wrap-up on First Time Buyers, with Ollie Smith, National Account Manager   Video transcriptHi, Ollie here, National Account Manager at Vida Homeloans and today we’re going to be talking all about first time buyers and ho…
02/05/2024
Video: Criteria wrap-up - Adverse Criteria wrap-up on Adverse, with Ollie Smith, National Account Manager   Video transcriptHi, Ollie here, National Account Manager at Vida Homeloans. I wanted to go through our adverse policy today an how that can help you and your clie…
23/04/2024
Belmont Green issues latest securitisation deal New deal raises £300m to support the mortgage lending specialist in providing brokers and their customers with solutions to complex mortgage needs. Belmont Green, the parent company of Vida Homeloans, has announced its second re…
11/03/2024
Growing your army of experts with packager support December's inflation statistics demonstrated that the battle to contain the increase in prices in the UK economy is far from over. In fact, having largely negotiated for now, the pressures facing UK borrowing, the biggest factor driving incr…
06/03/2024
Vida Welcomes New Savings Director and Senior Team in Preparation for Retail Savings Launch Vida, the specialist lender, has announced the creation of a new Savings team, a key strategic milestone in its journey towards securing a banking license and launching its retail savings proposition.  Rob Reed steps into the Saving…
05/03/2024
Video: Criteria wrap-up - Packagers Criteria wrap-up on Packagers, with Ollie Smith, National Account Manager Read the trasnscriptHi, Ollie here, National Account Manager at Vida Homeloans. Just wanted to take the time to talk to you around our Premier Packager Propositio…
19/02/2024
Video: Criteria wrap-up - Remortgage and Product Transfers Criteria wrap-up on remortgage and product transfers, with Ollie Smith, National Account Manager Read the trasnscriptOllie here, National Account Manager at Vida Homeloans. Just want to take the time to talk to you around remortgaging…
13/02/2024
Vida raises £150,000 for Crisis over three-year partnership Vida, the specialist lender, have announced they have donated more than £150,000 to Crisis, the national charity seeking to end homelessness, since the start of their partnership in 2020.  Supported by a team of passionate collea…
12/02/2024
Remortgage and product transfers – the case for reassessing borrowers' options A New Year and the news for borrowers looks to be improving. Having struggled with affordability issues since September 2022, mortgage swap rates appear to be falling at last*. Additionally, Andrew Bailey recently said that he expects the Ban…
01/02/2024
Video: Criteria wrap-up - Affordability Criteria wrap-up on Affordability, with Ollie Smith, National Account Manager Read the trasnscriptHey, Ollie here, National Account Manager at Vida HomeloansJust wanted to run through our affordability and how we can help your client…
30/01/2024
Affordability will remain with us in 2024. How we deal with it will change. December's retail figures may tell us many things about the UK economy, but one, I am confident, is that affordability remains an ongoing issue for homeowners. When money is tight, people naturally prioritise. They also then look to experts to re…
22/01/2024
Vida cuts rates by up to 1.05% Standard residential and Buy to Let (BTL) fixed rates reduced Reductions of up to 1.05% on residential and 0.80% for BTL Vida, the specialist lender, have announced rate reductions to their existing fixed rate BTL and residential products. Re…
11/01/2024
Belmont Green issues first securitisation deal of 2024 New deal raises £300m to support the mortgage lending specialist in providing brokers and their customers with solutions to complex mortgage needs.Belmont Green, trading as Vida Homeloans, has issued its first residential mortgage…
14/12/2023
Vida cuts rates by up to 0.35% Residential and Buy to Let (BTL) rates reduced New BTL Limited Edition products available up to 75% loan to value (LTV) Vida, the specialist lender, have announced they are making rate reductions across their product range. Residential rate…
12/12/2023
A look back on 2023 2023 could be considered one of the most difficult years since Covid. With the cost of living rising, interest rates fluctuating to their highest level for years resulting in eye-watering costs for borrowers combined with a housing shortag…
20/11/2023
Enhanced affordability requires nuance The UK government conducts a census every ten years to create a snapshot of the population and a record of demographic trends across the nation that are used to comprehend and create social policies. The most recent was performed on March 21…
02/11/2023
Vida launches seven-year fixed rate at 90% LTV alongside new BTL limited edition Vida have introduced a seven-year fixed rate to their residential rangeAvailable at 90 per cent loan to value (LTV) for both purchase and remortgage New buy to let limited edition product also available Vida, the specialist lender, have annou…
18/10/2023
Vida enhances affordability with lending into retirement and reprices entire range Vida have increased the maximum age at the end of term to 80 years old Maximum potential mortgage term extended from 40 years to 45 years Rates have been reduced across the entire product range and new limited edition products laun…
03/10/2023
What makes a specialist mortgage proposition? The learning objectives for this blog are to:Understand the key elements that make up mortgage products.Understand why funding is so important in the supply of products.Understand how the balance of these elements can impact the choices b…
05/09/2023
Vida launches new range of limited edition products Vida, the specialist lender, has launched a new range of limited edition products.Two and five year products are available up to 65 per cent LTV across buy to let (BTL) and residential on the Vida 36 tier.The BTL products are available on standard…
22/08/2023
Getting a self-employed mortgage should not feel like a Herculean task. Too often, it takes brokers and self-employed borrowers a lot of effort and energy to get a mortgage. The self-employed often find themselves in a counter-intuitive place when it comes to getting a mortgage.Recent figures from the Office of Nat…
31/07/2023
Vida cuts rates by up to 40bps All Buy to Let rates reduced alongside a number of residential rates Second BTL Limited Edition launched, extending availability to HMO/MUBs Vida, the specialist lender, have today announced rate reductions across their product…
10/07/2023
Vida introduces new Premier Packager Club Vida, the specialist lender, have introduced a new packager proposition designed with and for key partners. The Premier Packager Club offers a bespoke proposition including a new packager exclusive credit tier and a dedicated page on…
21/06/2023
V-Hub: creating a service and experience offering that brokers could really put their trust in When we launched the V-Hub at the end of 2022, we knew that providing rapid, direct access to decision makers would create a service proposition that delivered consistently elevated levels of broker support. We wanted to create a service and e…
07/06/2023
Stories of two First Time Landlords with specialist Buy to Let requirements Sandy's Story - First Time Landlord with adverseSandy wants to invest in her first Buy to Let property.She has a couple of missed payments in the past 2 years, including a phone bill and credit card payment. Sandy was hoping she would find a lender…
26/05/2023
Belmont Green prices second securitisation deal of 2023 New deal raises £400m to support the mortgage lending specialist in providing brokers and their customers with solutions to complex mortgage needs.Belmont Green, trading as Vida Homeloans, has issued its second residential mortgag…
25/05/2023
Opportunity (still) knocks for First Time Landlords It may be difficult but nothing worth getting was ever easy and this could very much be said about the current Buy-to-Let market To the untrained eye, Buy-to-Let investments may appear presently fraught with danger. Years of dwindling tax r…
19/05/2023
Laura & Matt’s Self-Employed Story Laura and Matt have been saving to purchase their first home together.Laura has been self-employed since she set up her hairdressing business 18 months ago. Her boyfriend Matt is a self-employed contractor in the building trade. He also has a s…
EPC Landlords need all the help they can get
10/04/2023
Landlords need all the help they can get At an event not so long ago a very senior individual from a top six UK mortgage lender addressed the assembled guests and simply stated that without further clarity, he thought his organisation had gone as far as it could in setting the ground…
02/03/2023
Vida launches new service pledge alongside extensive criteria and product enhancements The Vida Service Pledge promises to refund the £180 application admin fee if intermediaries feel they have not received excellent service from Vida Alongside the service pledge, a number of extensive criteria, product and prici…
26/01/2023
Belmont Green prices first securitisation deal of 2023 New deal raises £350m to support the mortgage lending specialist in providing brokers and their customers with solutions to complex mortgage needs.Belmont Green, the parent company of Vida Homeloans, has started the new year with its…
08/12/2022
Vida announces further rate reductions across product range Reductions on both residential and buy to let ranges across all Vida tiersFixed rates reduced by up to 0.70% with variable rates reduced by up to 1.35%Fees on BTL 2-year fixed products reduced to 1%Vida, the specialist lender, has announced it has r…
02/11/2022
Mortgage Pricing In the New Environment It is not often that mortgages make the top read stories on the likes of the BBC website. Nor does it often occur that mortgages are the topic of so many conversations. But that is what has happened of late, since we saw rapid repricing in recent we…
03/10/2022
The end of the Help To Buy Scheme – What’s in store for the mortgage market? At 6pm on the night of Halloween 2022, something scary will happen, applications close for the Help To Buy scheme, with the scheme ending on the 31st of March 2023. In order to be eligible for the scheme, the property must be completely built and li…
19/09/2022
Keep an eye on the complex credit market The complex credit mortgage market has been around since the mid to late 1990s. Over that time, it has grown, it has changed and seems to have shaken that stigma that existed in the past. In its first decade of existence, it was all about mortgage ar…
25/08/2022
Life After Help To Buy March 2023 is the date set to see the end of Help to Buy. What is more, anyone looking to use this scheme must secure a property by the end of October – when Halloween is upon us. This is a scary thought, so what next for the new build sector and will…
11/05/2022
Vida enhances its residential range £180 assessment fee removed from all residential products Fee Saver Range enhanced to provide a free valuation on properties up to £1m and a £500 contribution to legal fees.Maximum loan sizes increased to £2m up to 75% LTV…
11/04/2022
Landlords Adapt To New Builds Landlords are clearly very resilient and adaptable, as our latest sales figures on New Build Buy to Let applications show. Now over the years, there has been attempts to knock landlords down. But each time they get up again. Nothing, it seems, is ev…
All the tools you need for contractors
01/04/2022
The Rise of the Contractor All the tools you need for Contractors The pandemic has created a more flexible working world, and this is likely to lead to a rise in the number of contract workers. More people are working from home, many in a hybrid working arrangement. An…
17/03/2022
Key Workers: Complex Incomes Need Specialist Lenders Who Cares Wins! Our Key Worker range offers 5.5x income for NHS, Teachers, Armed Forces, Police, Firefighters...   If you mention clients with complex incomes, key workers may not always immediately spring to mind. However, as anyone who has seen a…
16/03/2022
EPC changes brings opportunity for brokers and landlords Opportunity knocks for buy to let landlordsChange brings opportunity for brokers and landlords. So, make it happen and get life moving! When it comes to buy to let, it could be argued that we have seen more changes in the last five years than…
08/02/2022
Vida  launches new Limited Edition residential and buy to let product ranges Specialist lender launches limited edition core and fee saver residential products  Changes to buy to let range with launch of fee free, standard and HMO limited edition products  Vida, the specialist lender, has launched…
03/02/2022
Vida expands expat countries list Lending specialist broadens expat locations to include India, Malaysia, Saudi Arabia and Singapore These changes follow a swathe of recent additions to Vida’s product range Vida, the specialist lender, has announced it is broade…
27/01/2022
Vida improves criteria to broaden its offering Lending specialist broadens criteria on a range of products Bespoke mortgage product launched for keyworkers 90% LTV mortgages now available on all houses and flats  Innovative  Flex Range launched&n…
27/01/2022
Vida added to Openwork panel  Vida the mortgage lending specialist has been added to the Openwork panel and will offer specialist lending product solutions to Openwork’s advisers and provide options for their clients with complex financial needs.  The…
10/01/2022
Vida unveils brand refresh, product tiering and proc fee changes as part of firm's evolution Range extended to over 270 products, providing brokers with more options for clients Additional tiers enable Vida to effectively price for all customers  Competitive pricing across all ranges, tiers, and LTV Proc fe…
08/12/2021
LET'S GIVE BACK THIS FESTIVE SEASON! Christmas is a time for giving, and we're thrilled to let you know that in partnership with Crisis, we will be helping to end homelessness in the UK by donating £29.06 for every application we receive in December.*The gift of £29…
07/12/2021
VIDA INTRODUCES WINTER BUY TO LET AND RESIDENTIAL LIMITED EDITION PRODUCTS Introduction of new limited edition products on BTL and residential rangesNo fee, 5 year fixed rate BTL product’s, available for individual units, HMO/MUBs and SPVs up to 75% LTV90% LTV product on the residential range and available for pu…
14/10/2021
VIDA REVAMPS LIMITED EDITION BUY TO LET PRODUCT RANGE Changes to ‘limited edition’ buy to let productsPrice reductions for three of the current limited edition buy to let products Fixed fee of £1,995 which can be added to the loan Available for purchases or remortgages  Vida…
05/08/2021
Vida appoints John Truswell as Head of Intermediary Distribution Vida, the lending specialist, has announced the appointment of John Truswell as Head of Intermediary Distribution.  John will report directly to Richard Tugwell, Director of Mortgage Distribution.John has more than 30 years’ expe…
02/07/2021
Vida appoints Iain Gibbons as Director of Marketing Vida, the lending specialist, has announced the appointment of Iain Gibbons as Director of Marketing.  Iain will report directly to Anth Mooney, CEO, and joins in the Autumn.Iain is an award winning senior marketing professional with over…
02/07/2021
VIDA LAUNCHES INTERMEDIARY PRODUCT SWITCH PORTAL - 5 screens, 15 clicks, less than 15 minutes -Vida, the mortgage lending specialist, has today announced the first of a number of exciting initiatives that will be rolled out in the coming months, as it continues to innovate and provide brokers and…
07/06/2021
VIDA INCREASES MAXIMUM LOAN TO £1M AS IT REVAMPS LIMITED EDITION BUY TO LET PRODUCT RANGE Changes to ‘limited edition’ buy to let productsPrice reductions for the standard buy to let productResidential help to buy product now available to the whole of marketLaunch of residential products for large loans Vida, the mo…
20/05/2021
Vida launches 5-year fixed rate BTL remortgage product at 3.29% Vida, the specialist mortgage lender, has today announced the addition of a limited edition remortgage-only 5-year fixed rate at 3.29% on its Vida 1 Buy to Let (BTL) range, up to a maximum LTV of 75%. The product has a 1.5% fee (which can be added to the loan) an…
17/05/2021
Vida launches new 2-year 3.24% fixed rate BTL product Vida, the specialist mortgage lender, has today announced the introduction of limited edition 2-year and 5-year fixed rates to its Vida 1 Buy to Let (BTL) range up to a maximum LTV of 75%. Launched to the whole of the market on a purchase and remortgag…
06/05/2021
Vida launches new limited edition 85% LTV residential 2 and 5 year fixed rates from 4.09% Vida, the specialist mortgage lender, has today announced the introduction of a limited edition 85% LTV 2-year and 5-year fixed rates to its Vida 1 residential range, providing greater product choice to home buyers with smaller deposits. Rates…
27/04/2021
Vida launches 80% LTV BTL 5-year Fix at 4.34% with fixed fee and free valuation Vida, the specialist mortgage lender, has today announced the introduction of an 80% LTV 5-year fixed fee special to its Buy-to-Let (BTL) range at 4.34%. Available to the whole of market on both a purchase and remortgage basis, the product has a fixed fe…
22/04/2021
Improved processes and streamlined proposition We are constantly listening to our Intermediary Partners and have recently made the following changes to help improve our service to you and your customers:Removed the requirement for customers to declare whether they have previously b…
12/04/2021
Mark Price joins Vida as Director of Credit Risk Vida, the specialist mortgage lender, has today announced the appointment of Mark Price as its new Director of Credit Risk.  Mark has extensive experience in credit risk and credit underwriting and is responsible for enhancing Vida&rsq…
25/03/2021
Vida makes rate cuts of up to 95bps across its residential range for purchase and remortgage business Vida, the specialist mortgage lender, has today announced a series of significant price cuts to its residential mortgage products. Reductions apply to the lender’s Vida 1, 2 and 3 core residential purchase and remortgage ranges with ra…
23/03/2021
Vida appoints Richard Tugwell as Director of Mortgage Distribution Specialist mortgage lender Vida has announced the appointment of Richard Tugwell as Director of Mortgage Distribution, as it looks to accelerate its growth plans with a series of significant product and service improvements over the ne…
11/03/2021
Vida cuts rates by up to 40bps on BTL products including HMOs and MUBs Vida, the specialist mortgage lender, has today announced a series of price cuts to its Buy-to-Let (BTL) range. The reductions apply to the lender’s core BTL range, Houses in Multiple Occupation (HMOs)/Multi Unit Blocks (MUBs) and Expat offering…
01/02/2021
Frustration for homebuyers as COVID-19 confines one in five (19%) renters to Generation Rent, new research from Vida shows Two-thirds (66%) of Britain’s renting population aspire to own their own home, but new research from Vida shows that one in five of these renters (19%) are now finding it harder than before to step onto the housing ladder because of COVID-19. The f…
Image of Crisis
08/12/2020
Let’s help everyone find a safe place to call home The specialist lending sector has been there to support Britain’s underserved borrowers for many years, including the self-employed, freelancers, professional landlords and the credit impaired. That role is set to grow in importance…
05/11/2020
Help us to help you - the application process As everyone continues to navigate through these unprecedented times, we have been reflecting on how, as a lender, we can make things easier for you and your customers. Our mission is to help give everyone a safe place to call home, and we therefor…
Image of Crisis
08/10/2020
VIDA and CRISIS Vida has taken the next step towards its mission of helping everyone find a safe place to call home with the announcement of a three-year partnership with Crisis, the national charity seeking an end to homelessness. Vida is committing to dona…
06/10/2020
Vida Flex Case Study: How Mr & Mrs Howard used Flex Vida Flex is a great option for all BTL Landlords. Whether they're first-timers, or professional landlords, Flex gives investment flexibility to landlords – they can sell or refinance after 3 years without charge, rather than wait 5 years. It has…
21/09/2020
Vida Flex – fix for 5 years, leave after 3 with no ERCs The events of 2020 have been challenging for all of us and continue to be so. Here at Vida we have taken the opportunity to stand back from the market for a moment, invest in our people and technology and come back with a better proposition that he…
31/08/2020
Meet MILO! - the digital concierge who is ready to help at any stage of the mortgage journey. Once we had built the natural language processing system – the ‘brains’ of our new chatbot – we saw an opportunity to bring this new technology to life by creating a character we could use to tell our story to intermediarie…
30/08/2020
Vida’s new website – built by you The events of 2020 have given us the opportunity to make a fresh start, invest in our people and technology and come back to the market with a better proposition that helps more people with a wider range of needs. Our new website is a good example…
A message from Anth Mooney When I joined Vida as CEO at the beginning of 2020, I couldn’t have imagined what lay ahead for the mortgage market. This has been a year unlike any other, one full of challenges (but also opportunities!). It has certainly been eventful for us at…
Vida – changing mortgages for good! Now, more than ever, today’s borrowers need a lender that can react and respond to the financial complexity that we all face.Life is never a straight line. At Vida we know that for many ordinary people, life can get a little crazy and doesn&rsq…
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