Vida Home Loans

Vida Home Loans offer mortgage products to buy to let and residential customers who at present don't fit in with the criteria demanded for by high street banks these days. A modern and forward-thinking organisation, Vida Home Loans makes full use of cutting edge technology to make informed human decisions and support their clients by giving them the most amazing service that can be relied upon for its efficiency and speed.

Vida Home Loans is overseen by a management team with extensive experience and a deep understanding of the mortgage industry. They operate from a hi-tech, modern building based in Staines-upon-Thames, not too far away from Heathrow Airport. The technology Vida Home Loans uses has been hand-picked because it is some of the best available at the moment. Decisions on the tech they needed were only decided upon after they ran a number of competitor, intermediary and customer research studies and then had the tech fully configured to provide an incredible platform.

They offer:

  • Residential mortgage products for self-employed individuals, individuals with poor credit scores, contractors and individuals with short work history and individuals looking to borrow during retiring or beforehand
  • Buy to Let mortgage products requiring a smaller sized deposit with an LTV of as high as 80%, for SPV or Trading limited companies, Ex-pats looking to invest back home in Britain, individuals with poor credit scored, older or even retired professional landlords, HMOs or Houses With Multiple Occupancy, Portfolio landlords
  • Second charge residential mortgage products on interest only basis with LTV as high as 60% for individuals with poor credit history, self-employed individuals who have a minimum of 1 years’ worth of trading, group applicants of as much as 4 members, individuals looking to borrow before they retire or during retirement.
  • Second charge Buy to Let mortgage products with an LTV of as high as 75% for HMOs, SPV or trading Limited companies, EEA-living only Ex-pats, individuals with poor credit scores, portfolio landlords, older retired professional landlords.

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