Vida Homeloans Reviews 

Vida understood a complicated case and was able to process this with a simple common sense approach. Raymond Smith the UW was excellent in understanding the case and getting it over the line.

I have been offered the mortgage from them, they are briliant, result was really quick. Keep up the good work.

Client mortgage offer expired and had to re key application and client circumstances had changed but the speed of work and common sense approach was fantastic.

Impressive service with a 'can do' attitude to lending. I will definitely look to use and recommend to my colleagues.

I have placed two simultaneous applications with Vida to exit off a Bridging Loan which client has defaulted on, and the underwriters have been very flexible and understanding with the urgency required.

I’m a broker based in St Albans and I honestly this deal would have fallen apart if it wasn't for Penelope Bailey at Vida Homeloans.

We were under massive pressure with this one. The time restraints were tight, and where other lenders either said no or just couldn't move fast enough, Penelope stepped in and turned everything around at a super fast pace. She went above and beyond for both me and my client to make sure we hit the deadline.

If you're a broker looking for someone who actually delivers when the heat is on, Penelope is an absolute saint. Can't recommend her enough.

As mortgage brokers we use many lenders. Vida are one of the simplest, easiest and most helpful. Mortgage offers are produced quickly and if underwriters need something they contact you to discuss as well as email. Overall a very positive experience and will continue to use as long a the rates are competitive

Vida is a specialist lender but they give a personal touch that most specialist lenders do not offer. From calls directly from underwriters to an interactive portal I do think Vida are on of the best out there. I have recently placed 2 specialist applications with Vida and both went through smoothly and to mortgage offer. It took a few weeks but we got there! A special mention to underwriters Mark Bellows and Patricia Muller for both their communication and stellar work on the cases. They are an asset to the Vida and I can tell you genuinely that the work they do is appreciated and respected by somebody works with all of the major lenders on the market.

I always have such a positive experience using Vida and do not hesitate in recommending them to my clients. The whole process is quick, straight forward and easy to manage.

Application process to offer as good as any high street lender

When you place a case with adverse credit history and just a 5% deposit you know the lender is going to ask for additional information but what was great with Vida was their shopping list day1 stayed the same throughout the entire application all the way to mortgage offer. It was refreshing to not have to deal with additional requests for more and more information which feels like moving goal posts and adds to the stress for the client. Great service, short response times and real helpful people at the end of a telephone rather than AI only chatbots - thank you Pat for my pre-offer call and help moving the deal on to a better rate for the clients!

Barry Lindsey has been so efficient!!

Thank you for a very quick and slick application process.
Offer issued very promptly with the minimum of fuss and requests for documentation.

The remortgage case I did was very easy and straightforward. I received a call from the underwriter with some requests, these were uploaded, the case had an auto valuation and the offer was produced in 6 working days! Well done VIDA.

A straightforward experience aided by knowledgeable and friendly staff at all parts of the application process.

Lisa Dowson has been fantastic with recent application 95% LTV case 6 full working days app to offer which is amazing! Thanks so much :) Customer's will be thrilled. Phil

Submitted case on 1 April - case went to offer on 15 April. Bearing in mind we had Easter in between I'm very impressed with the turnaround time of this case
Well done Lisa Dowson - great service

The staff at Vida are helpful & professional ensuring that the mortgage Offer comes out as quickly as possible.

Andria has been amazing throughout this vary difficult case. Very understanding and efficient

I rarely leave reviews, but this one is fully deserved.

I recently placed a particularly challenging first-time buyer case at 95% LTV with Vida Homeloans, and their approach was nothing short of exceptional. The case involved multiple adverse credit issues on both applicants, including CCJs, defaults, missed payments, and very recent status issues. On top of that, the main applicant was self-employed with just 1 year’s history, and the latest tax return only reflected around 6 months of income due to the timing of the business start. Affordability worked, but it was undeniably tight.

Where many lenders would have declined this outright, Vida’s underwriters took a true common-sense and case-by-case approach. They looked beyond the surface numbers, understood that the income trajectory was stronger than the accounts initially suggested, and took the time to properly assess the context behind the adverse credit, recognising it as a one-off situation rather than ongoing behaviour.

The outcome? A successful offer on a case that genuinely meant everything to the clients. They were overwhelmed, I had them on the phone shouting and in tears, thanking me for making it happen. That doesn’t happen without a lender willing to look at the full picture.

What stands out about Vida is that they are fair and consistent. They don’t say yes to everything, I’ve had declines from them before, but when a case makes sense, no matter how complex, they will give it proper consideration and support it where they can.

They’ve helped me deliver for clients more than once, and they are without doubt one of my go-to lenders for complex cases.

A genuinely excellent lender with a real understanding of how cases work in the real world.