Brilliant Solutions

Vida Update

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 teamLOGIN to Vida here

Vida residential mortgage products from 3.13%

We are pleased to announce rate cuts of up to 95bps across our residential range, along with the reintroduction of residential purchase products. The reductions apply to Vida 1,2 and 3 residential purchase and remortgage ranges, making the prices some of the most competitive in the specialist market.

Today’s changes are part of our continuing commitment to offer mortgage intermediaries a wide range of flexible residential and BTL criteria at competitive rates, catering particularly for those customers whose finances have been affected by the Covid-19 pandemic through no fault of their own..

We have also simplified our approach to applicants who may have been on furlough, by considering those who have returned to work.


  • 2 year fixed rates from 3.13%
  • 5 year fixed rates from 3.49%
  • Rate cuts across Vida tiers 1-3
  • Up to 80% LTV


  • Minimum loan size £100,000
  • Complex incomes and low credit scores
  • Up to 4 applicants with combined incomes
  • First Time Buyers welcomed


  • 2 year fixed rates on HMOs & MUBs from 3.09%
  • 5 year fixed rates from 3.49%
  • Up to 75% LTV
  • 1.5% product fee
  • Vida Flex available for HMOs & MUBs from 3.84%


  • Minimum loan size £100,000
  • Rental cover from 125%
  • SPVs accepted across BTL ranges
  • Impaired & improving credit history
  • Portfolio landlords, up to £4m
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