Vida Homeloans Reviews 1,076

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the efficient service and the professionalism of the staff, who are often described as helpful and supportive. Many reviewers specifically commend the underwriters for their clear communication, prompt responses, and willingness to find solutions for complex cases. Consumers highlight that the team is very supportive, and they can easily get in touch with them by e-mail or phone. People feel that Vida provides a chance for those with challenging credit histories to achieve property ownership. Reviewers appreciate the common-sense approach to lending, with underwriters often calling to clarify information and expedite the process. Consumers value the personal touch and the feeling that Vida genuinely cares about their clients, making the mortgage process smoother and more manageable.

Based on these reviews

Rated 5 out of 5 stars

I’m a mortgage advisor who deals with plenty of tricky cases, so having an underwriter who’s quick, switched-on and easy to work with makes all the difference and Barry at Vida absolutely delivered... See more

Company replied

Rated 5 out of 5 stars

Dealing with Vida is a pleasure. What sets them apart from the majority of lenders is the fact the underwriters (Penny in my experience) will ring you to question and query information prior to sendi... See more

Company replied

Rated 5 out of 5 stars

To be able to talk directly to an Underwriter is a big bonus and makes the application to offer process much easier. I wouldn't hesitate to use Vida again, and I can't say that about many lenders!

Company replied

Rated 4 out of 5 stars

Great Lender Vida work for clients who need common sense underwriting. Mark the underwriter on my most recent case was great.

Company replied

Rated 5 out of 5 stars

I cant thank vida enough!!! Thanks for making our dreams come true when no one else would give us a chance. You have changed our whole lives. We have just had our offer this afternoon. It has took a w... See more

Company replied

Rated 5 out of 5 stars

After some challenging experiances with Vida during Covid, we've been pleasantly surprised with how smoothly the last 2 cases have gone. Despite some difficult circumstances, the underwriting has be... See more

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Rated 5 out of 5 stars

Mark was very much pro active with the case for my clients, I really appreciate that he took time to pick up the phone and have a conversation with me and when we spoke it was a case of how can we get... See more

Company replied

Rated 5 out of 5 stars

What a great experience with Vida. Mortgage offer received in under a week! A very personal touch from the Underwriter Lisa Howarth, who called us personally to advise the case had gone to offer. Very... See more

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Rated 5 out of 5 stars

Went to a mortgage advisor who told us there was no possibility of a mortgage due to credit history! Then went to another who got us a DIP with vida. Vida made it an easy process and we finally got ou... See more

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Rated 5 out of 5 stars

4th February application in 7th February valuation requested 11th February valuation completed 13th February offer received Wow! That’s quick and I’m not a simple case! A 50 year single s... See more

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Rated 5 out of 5 stars

Bethan Phillips was excellent Bethan was the underwriter on my clients case. We had a post offer complication which was not Vida's fault. Both the client and I were anxious as a new offer was... See more

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Rated 5 out of 5 stars

As a broker - it was so refreshing to see an underwriter who seemed to want to lend and find a resolution for a client. Andrea Blane worked with me to find the solution for my client, and whilst it wa... See more

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Rated 5 out of 5 stars

I recently submitted a Purchase application with Vida, which had a last minute problem just before completion. The situation became very stressful, very quickly and it needed it sorting instan... See more

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Rated 5 out of 5 stars

As a broker, I don't often hop on to leave reviews but Lisa Howarth deserves a shout out. Having placed a case with them and then the client needing to change property, she could not have made it ea... See more

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Rated 5 out of 5 stars

A huge thanks to Daniel Shah who went above and beyond for our client who was purchasing his first home. Daniel's attention to detail, clear emails, courteous phone calls really did set the experience... See more

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Rated 5 out of 5 stars

I can't say anything bad about Vida. I have some bad credit history. I did apply also with Kensington,which turned away our application. Vida reviewed all information and we got approved! On exchang... See more

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Rated 5 out of 5 stars

Raymond was extremely helpful and managed to secure my client a mortgage Offer quickly. I'm very pleased with the service.

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Rated 5 out of 5 stars

Sometimes cases can be tricky to place due to the moving parts and client story. I had the pleasure of recently placing a case with Vida and working closely with underwriter Zoe who couldn't do enough... See more

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Rated 5 out of 5 stars

Callum has been amazing from the very start. We were told from other mortgage advisors we couldn’t get a mortgage but Callum and Andy both worked extremely hard and we had been given a mortgage offer!... See more

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Rated 5 out of 5 stars

Have been very impressed, again, when utilising VIDA Homeloans, as a broker - they will often help where other lenders cannot, and, so, give an option to those whose circumstances are a little 'unus... See more

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Rated 5 out of 5 stars

Vida homeloans will assist you to lend with under writers who have the human touch. I had the pleasure to work with Patricia Muller who's knowledge was impeccable and Client service which exceeds the... See more

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Rated 5 out of 5 stars

I had a complex case to place and would have struggled with other mortgage lenders. The clients had believed they would never get a mortgage offer due to past and current credit issues. I had the... See more

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Rated 5 out of 5 stars

I would just like to take this opportunity to thank Andrew Lang, who was the underwriter handling a recent case I submitted to yourselves. The purchase was for an auction property, and we were on an... See more

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Rated 5 out of 5 stars

Once the valuation report was back and the formalities uploaded..the case went straight to offer. Barry was very prompt in requesting any clarification or documentation required and we updated it ASAP... See more

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Rated 3 out of 5 stars

Like - Got the case through to offer Dislike - Had to ask same question several times without reply, felt that I was being ignored on one of the requirements. which was misleading as not phrased... See more

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Rated 5 out of 5 stars

Fantastic underwriting experience with Nicole Farr. The way all lenders should treat brokers, ringing back when requested and simple, clear requirements to progress applications speedily. My clients... See more

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Rated 5 out of 5 stars

Our case was a complex case both in terms of credit rating and immigration status, however the team at Vida were patient and methodical and worked carefully through our case and ensured that we got... See more

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Rated 5 out of 5 stars

Nicole picked up the case as the original Underwriter was on holiday. She called me and took a common sense approach to the case which resulted in the offer being issued immediately after our call. Gr... See more

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Rated 5 out of 5 stars

Used Vida previously as a Mortgage broker, and although the process can be long sometimes usually they will try and help out the clients when they can. Special shout out to the underwriter Lisa who wa... See more

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Rated 5 out of 5 stars

Vida made the application process easy for a recent client who has some pretty bad credit. It felt like they wanted to lend and come up with solutions rather than just putting a blocker on everythin... See more

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Rated 5 out of 5 stars

This company is giving people a chance, people that have had hiccups financially, earn good money and want to own property. The underwriter was thorough but fair (Lisa) and was willing to listen. A... See more

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Rated 5 out of 5 stars

Ray and the team at Vida have been brillient. We got the deal we wanted and my clients couldn't have been happier. Vida are customer centric and provide excellent customer service. Ray has been phenom... See more

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Rated 5 out of 5 stars

By far, the best lender I have dealt with. Efficient service and excellent professionalism. I would highly recommend and use again in the future.

Company replied

Rated 5 out of 5 stars

Excellent service and clear requirements from the underwriter on a case Mark Beddows. Will be using a lot more going forward for my client’s mortgage requirements. VIDA is a really helpful... See more

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Rated 5 out of 5 stars

Andrea (the underwriter) really helped make this process quite straightforward for the clients and is happy to discuss the case with you for any queries which is a refreshing change. Very happy client... See more

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Rated 5 out of 5 stars

Vida has provided exceptional understanding and services with first time buyer and fist time landlord. They didn't asked for unnecessary paperwork and every time document uploaded Barry (the underwrit... See more

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Rated 5 out of 5 stars

I discussed my applicants' RTB adverse credit case with VHub initially, everyone I spoke to was very helpful; Cassie, Jackie and team - I was able to get the application submitted. The case was deal... See more

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Rated 5 out of 5 stars

Arranged a mortgage for my client, it was great to see that Vida Homeloans had an array of products to assist but more importantly the people on the team knew what they were doing. In short made a dif... See more

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Rated 5 out of 5 stars

The 5 star rating applies to the service received from Guy Todd. After a disappointing start to the application process my clients application was resubmitted and picked up by Guy Todd the seco... See more

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Rated 5 out of 5 stars

Lisa Howarth is a brilliant underwriter and has made my latest application with Vida a breeze. Overall, Vida are a great lender for any of the more out of the ordinary cases.

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Rated 5 out of 5 stars

As a new mortgage broker, navigating complex cases can be quite daunting, especially when you're still learning the ropes. I recently worked on a particularly challenging application and had the... See more

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Rated 5 out of 5 stars

Good service and helpful members of staff. My first application with your team and was very quick and a good experience.

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Rated 5 out of 5 stars

Just received my mortgage offer a big thanks to Vida home loan and it’s my 2nd mortgage with Vida highly recommend Mohammed

Company replied

Rated 5 out of 5 stars

Easy submission, policy was adhered to and easy. Spoke with the underwriter Barry directly. He went through case and offered within the hour!

Company replied

Rated 3 out of 5 stars

We applied with Vida back in October we have paid the arrangement fee and the valuation fee. The valuation happened two weeks ago and we have still heard nothing we don’t even know if we have been acc... See more

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Rated 5 out of 5 stars

Common sense lending. My clients were told they couldn't get a mortgage offer, and VIDA have done just that with their excellent criteria, when a client has a blip on their credit file. The process ha... See more

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Rated 5 out of 5 stars

Mortgage completed today, many thanks. They managed to assist me to become a homeowner when moat other lenders wouldnt give me a chance, also at a better interest rate than expected

Company replied

Rated 5 out of 5 stars

Vida Homeloans are a breath of fresh air. Cases that don't fit 'the norm' can often be so time consuming and complicated but the process with Vida was refreshingly simple. Communication was excellent... See more

Company replied

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Company details

  1. Mortgage Lender

Written by the company

More than ever before, borrowers need a lender that will react and respond when they are faced with financial complexity. Vida is the mortgage lending specialist with a clear focus on helping more customers in their home ownership journey, unravelling complex situations, and making the process clear and simple. Working exclusively with expert intermediary partners, Vida combines cutting-edge technology with skilled and caring people to deliver an efficient and differentiated customer experience. With over 11,000 customers we have lent over £2.1bn since our launch in 2015, but we want to do more. By continuing to invest in technology, people, and process to ensure we deliver a market-leading proposition that helps more people with a wider range of home-buying needs. We are flexible and efficient; we cut through complexity and never accept second best. At Vida, we always keep our promises, what you see is what you get, and it will never change. Put simply, Vida helps those who are typically ignored by high street banks to get life moving.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

1K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 1 week


Rated 2 out of 5 stars

The stars reflect the experience…

The stars reflect the experience delivered. Yes we got a positive result but the turn around was not acceptable. Application submitted 26/08/2025 and offered 07/10/2025

Maybe stop passing the application around the room would prevent unnecessary delays. Telling us "Patricia is doing her best" gave little comfort to our clients that were under enormous stress from the estate agent

Am I looking forward to working with Vida again any time soon? That would be a NO

October 7, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Dan, We’re sorry to read your review and that our service didn’t meet your expectations. We have taken your points on board and reviewed them internally to continually improve. We’d also like to make this right to your customer and have authorised a refund of their assessment fee, which will be with them in 5-7 working days. We hope to see you use us again in the future. Vida Homeloans

Rated 5 out of 5 stars

Highly recommended lender

To be able to talk directly to an Underwriter is a big bonus and makes the application to offer process much easier. I wouldn't hesitate to use Vida again, and I can't say that about many lenders!

October 3, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Marina,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your case! And we look forward to working with you again soon.
Kind regards, Vida

Rated 5 out of 5 stars

Excellent Service !

I’m a mortgage advisor who deals with plenty of tricky cases, so having an underwriter who’s quick, switched-on and easy to work with makes all the difference and Barry at Vida absolutely delivered.
He was fast to respond to uploads, kept things moving without chasing, and communicated clearly throughout. No fuss, no delays, just solid support and a real can-do attitude.
Thanks to Barry’s help, the case was offered smoothly and without drama. It’s refreshing to work with someone who genuinely gets the broker’s side and makes the process feel like a team effort and hope to work with him again soon.

September 11, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Pageani,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with us and Barry! We look forward to working with you again.
Kind regards, Vida

Rated 4 out of 5 stars

Great Lender

Great Lender

Vida work for clients who need common sense underwriting. Mark the underwriter on my most recent case was great.

September 30, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Joanne,
Thank you so much for your review and positive feedback. We look forward to working with you again soon.
Kind regards, Vida

Rated 5 out of 5 stars

Barry was great

Barry was great, offered the loan within 45 minutes of picking it up

October 3, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Shahed,
Thank you so much for your 5* review and positive feedback. We look forward to working with you again soon.
Kind regards, Vida

Rated 5 out of 5 stars

Penelope Bailey 5*****

Dealing with Vida is a pleasure. What sets them apart from the majority of lenders is the fact the underwriters (Penny in my experience) will ring you to question and query information prior to sending out a shopping list to help speed up the process and they exercise a common sense approach to meeting clients needs.
Keep up the good work.

October 1, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Kevin,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your case!
Kind regards, Vida

Rated 5 out of 5 stars

Raymond was extremely helpful

Raymond was extremely helpful and managed to secure my client a mortgage Offer quickly. I'm very pleased with the service.

September 30, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Adam,
Thank you so much for your 5* review and positive feedback. We look forward to working with you again soon.
Kind regards, Vida

Rated 5 out of 5 stars

I cant thank vida enough!!

I cant thank vida enough!!! Thanks for making our dreams come true when no one else would give us a chance. You have changed our whole lives. We have just had our offer this afternoon. It has took a while but that's to be expected for adverse credit cases. After been let down by another company at the last minute I didn't have much hope for this offer either. But here we are and couldn't be happier thanks so much vida!!!

September 26, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Rachel,
Thank you so much for your 5* review and positive feedback. We're so glad we could help you with your mortgage for your new home. Best wishes for the future!
Kind regards, Vida

Rated 5 out of 5 stars

Mark is the MAN

Mark was very much pro active with the case for my clients, I really appreciate that he took time to pick up the phone and have a conversation with me and when we spoke it was a case of how can we get this deal over the line together, which is always nice to get that feel from underwriters that you dont always get. He also took time to educate me on things by giving me tips that can only help me serve my clients better going forward. I very much look forward to working with him and Vida again he is a real credit to his establishment.

September 25, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Gregory,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with us and Mark! We look forward to working with you again.
Kind regards, Vida

Rated 1 out of 5 stars

Commercial Property Issue

I found a property and fell in love with it. There was a bit of back and fourth with it with Vida because of the commercial property that was close by. They said it would be down to valuers comments on whether we got the property. The valuer marked the property as not adjacent. Happy days….nope….we were then told that because of the property being in close proximity to the commercial that we would only get 75% LTV. Even though there’s clearly separated boundaries between the property I was going for and commercial property. So Vida has said one thing and done another and moved the goal post. Why did it take 5 weeks to get a no? Because you said based on valuers comments then changed your mind and said no anyway? So unfair on all involved who have spent money and got no where. Extremely disappointed.

September 25, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Emily, we're sorry to read your review. We have updated your intermediary, and they will be able to provide you with context for the reasons for the LTV change. If you need anything further, please contact us at support@vidahomeloans.co.uk

Rated 5 out of 5 stars

Review for Underwriter Support

As a new mortgage broker, navigating complex cases can be quite daunting, especially when you're still learning the ropes. I recently worked on a particularly challenging application and had the pleasure of collaborating with Daniel Shah throughout the process.

From the very beginning, he demonstrated incredible patience, professionalism, and an impressive depth of knowledge. No matter how complicated the case became, Daniel took the time to clearly explain the requirements, guide me through the necessary steps, and ensure I understood the reasoning behind each decision. This not only helped move the case forward but also boosted my confidence as a new broker.

Thanks to his support, we were able to get the case offered, and more importantly, the client is now on track to securing their new home—something that would not have been possible without such outstanding underwriting support.

I’m truly grateful for the collaboration and can’t thank Daniel Shah enough for their patience, guidance, and willingness to go the extra mile. It’s a pleasure working with professionals like this, and I look forward to working together again in the future.

September 23, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Jayesh,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with us and Dan! We look forward to working with you again.
Kind regards, Vida

Rated 5 out of 5 stars

Excellent efficient and professional service

By far, the best lender I have dealt with. Efficient service and excellent professionalism. I would highly recommend and use again in the future.

September 22, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Shahenaz,
Thank you so much for your 5* review and positive feedback. We look forward to working with you again soon.
Kind regards, Vida

Rated 5 out of 5 stars

Excellent and supportive team

Excellent and supportive team. Friendly used interface. Application process is easy and well guided.

September 18, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Mohammed,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your case!
Kind regards, Vida

Rated 1 out of 5 stars

After issuing a mortgage offer now I…

After issuing a mortgage offer now I due to complete 25th of September I have already sold my property now they doing a audit check randomly to my mortgage offer which was issued 29th of August I don’t know what to say looks like I’m going to be a homeless after 25th if Vida have a concern why would a issue a offer and give a me a big hope I’m a existing customer for over three years now.
I have no word for this situation Vida put me now.its a joke

September 15, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Rizwan,
We’re sorry to read your review and your dissatisfaction. There is now an update on your case, which your broker will be able to update you on. If you wish to raise anything else, please contact us on support@vidahomeloans.co.uk and we will review further.
Kind regards, Vida Homeloans

Rated 5 out of 5 stars

Great service

Great service, very quick application to offer, very pleased.

September 15, 2025
Unprompted review
Vida Homeloans logo

Reply from Vida Homeloans

Hi Mustafa,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your case!
Kind regards, Vida

Rated 5 out of 5 stars

Good service and helpful members of…

Good service and helpful members of staff. My first application with your team and was very quick and a good experience.

September 10, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Claudia,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your first case with us!
Kind regards, Vida

Rated 5 out of 5 stars

Great job again!

After some challenging experiances with Vida during Covid, we've been pleasantly surprised with how smoothly the last 2 cases have gone. Despite some difficult circumstances, the underwriting has been prompt and clear. Huge thank you to Lisa Howarth for all her help and clear communication on a recent case.
Thank you

September 3, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Dan,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with us!
Kind regards, Vida

Rated 5 out of 5 stars

What a great experience with Vida

What a great experience with Vida. Mortgage offer received in under a week! A very personal touch from the Underwriter Lisa Howarth, who called us personally to advise the case had gone to offer. Very impressed!

September 3, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Merrin,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with Lisa, and we look forward to working with you again soon!
Kind regards, Vida Homeloans

Rated 5 out of 5 stars

Easy submission

Easy submission, policy was adhered to and easy. Spoke with the underwriter Barry directly. He went through case and offered within the hour!

September 1, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Julian,
Thank you so much for your 5* review and positive feedback. We're so glad we could help with your case!
Kind regards, Vida

Rated 5 out of 5 stars

Quick turnaround on applications

Quick turnaround on applications. Good clear communication. Underwriter Mark Beddows was great, very professional

August 29, 2025
Unprompted review
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Reply from Vida Homeloans

Hi Lynsey,
Thank you so much for your 5* review and positive feedback. We're glad you had a great experience with Mark, and we look forward to working with you again soon!
Kind regards, Vida Homeloans

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