Vida Homeloans Reviews 

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.

Vida stands out for your versatility and great service. I currently have four cases with you, including two active offers for a portfolio landlord client, all going smoothly.

The direct access to underwriters is great, and everyone I’ve spoken with has been professional and proactive.

Special mention to Barry for his timely updates and excellent cross-referencing of multiple cases, which keeps cases moving quickly. Also to Zoe, who flagged a rate reduction during a pre-offer call. Catching it then, rather than during applications rate-drop reviews, meant I delivered the good news to clients right away!. Thank you.

Vida has clearly built a strong, supportive, and friendly culture, and its great. I look forward to our next application.

Underwriter was Barry, very clear and quick to process. Very easy to deal with and everything went very smooth.

The team at Vida have been absolutely exceptional. I have been an IFA for nearly 30 years and the service we received from Vida on an application that we recently submitted and that has Offered has been nothing short of excellent. The case was not the most straight forward with some complications around the property valuation but Bethan Phillips was a super star on the case from start to finish. They went over and above to help the case through, even committing to a tight deadline to produce the offer when time was of the essence. It has to be said also that the whole admin team are brilliant and Jody is a credit to that team.

We cannot thank you enough for all of your hard work!

As a fairly new adviser Vida were fantastic in guiding me through a tricky case. The team at the end of the phone were knowledgeable and very easy to deal with. Thanks Vida

A great lender and amazing experience from the underwriter.

had very good experience with Vida home loans. underwriter is very efficient ,professional and helpful .

Alex , the underwriter at Vida, has been brilliant. Very understanding of the complexity of my case. It's currently a very volatile market, and being a mortgage broker within the industry has its challenges.
It's nice to know that lenders understand these challenges, and work with us where criteria allows. I would definitely recommend Vida to my future clients.

Jaspal Dhami
Really helped with a case he went above and beyond to help to overturn a declined case.

Great experience. Underwriter Barry responds straight to question without delay away and got offered very quickly. . Application went through super Smoove.

Very good service level. It was a pleasure to deal with Underwriter Barry - great and professional as expected!

Vida have taken a step up in there processing of cases and even though this was a bit more of a complicated case they could not have done any more in helping to get it through.

The underwriter Gary Todd was out standing.

I have to Say there are 3 people this goes to - Raymond Smith, Torben Clowes and the very great Patsy Ridley.
These three are an absolute credit to your team.
Thanks for all you help and support with the remortgage of a BTL and purchase of a resi for my client.
Look forward to working with you all again soon

Yet again another fantastic level of service provided by Vida and in particular Andrea Blane. Excellent can do attitude which a lot of other lenders can learn from, Thank You

Fantastic experience with Vida especially Pat our underwriter who went above and beyond to support our clients complex deposit scenario - they worked quickly and took a common sense approach to the case which is always very much appreciated! Very Happy First Time buyer today thanks to you all!

Pat Muller was the underwriter who was managing my application, she really took her time, even went out of her way to explain the process and what things I should be looking out for in the future. I cannot fault her at all, the mortgage offer was also issued extremely quickly!

Barry Lindsay was the underwriter on the case with Vida and he was very kind and understood the case thoroughly and provide great service and he was really quick in issuing the mortgage offer, i would highly recommend Vida Home Loans

Brilliant service start to finish

I had a very complex case on a very tight deadline. Lisa @ Vida was the underwriter in this case and she went over and above to take my calls and help me get the offer issued quicker than it should have been due to a deadline the client was given by the council. Excellent service, over and beyond the stated SLA's.

I’ve been stuck in limbo for the past four weeks. My application was submitted through the broker and the valuation was completed on the 18th of February. Vida later raised a query about the valuation, which the valuers responded to on the 27th of February. Since then, I haven’t received any update from Vida and I’m now at risk of losing the property offer.

Vida say they’re waiting for a response from e.surv to a post valuation query, yet e.surv say they have responded and haven’t received any communication from Vida. I’m struggling to understand what’s actually happening. What’s going on! Response time is shocking and underwriter seems to be uncontactable outside of email, it’s a joke!