Vida Homeloans has updated its range across the direct to lender and packaged range. Brilliant Solutions offers fees free packaging across the range as well as direct to lender access with payment on completion. Vida’s rates are available here and details on Vida’s criteria is available here. For more information you can contact our team. LOGIN to Vida here
Welcome to Vida’s Moving Parts series – your quick-hit email roundup of the criteria quirks, rate shifts and process tweaks shaping specialist.
In the latest edition of Moving Parts, we take a closer look at some of our lesser-known criteria quietly doing the heavy-lifting, unlocking options for the kind of clients most lenders overlook:
Let’s Scratch that Niche
🌎 Foreign Nationals: Help Foreign Nationals climb the property ladder with up to 90% LTV, broader Visa acceptance, and fixed rates across Vida’s credit tiers.
💷 Other Income / 2nd Jobs: Support for more income types—from bonuses to benefits, making affordability easier for more clients.
🏠 HMO/MUB: Vida supports HMOs (up to 8 beds) and MUBs (up to 8 units), with flexible rental assessments and regional valuation thresholds.
✈️ Expats: Worldwide – Up to 75% LTV and loans to £1m (£500k max for FTL Expats).
Rate Expectations
Stay ahead of the curve with our newest rates, product tweaks, and limited editions — all in one place.
Reminder of our most recent updates:
🔥 Buy-to-Let just got hotter – With rate cuts of up to 0.51%, landlords can breathe a little easier in today’s market.
🏡 Foreign Nationals: Residential products available up to 90% LTV across all Vida credit tiers.