Interview with Louisa Sedgwick, Managing Director of Vida Homeloans.

Vida Homeloans is an intermediary-only specialist mortgage lender offering Residential and Buy-to-Let mortgages. Vida is the modern mortgage lender for residential and buy to let customers who may not fit the criteria currently demanded by high street banks. Vida uses the latest technology to support and inform human decisions, providing intermediaries with a quick, efficient and reliable service.

The management team at Vida are very experienced in the mortgage industry, backed by significant private equity and have the advantage of not having any legacy systems or processes; everything is designed from scratch with you and your customer at the centre of their business.


  • 2 year rates from 2.79%
  • 5 year rates from 2.94%
  • Up to 20 properties and £4m on Vida portfolio
  • SPVs accepted across all BTL ranges
  • HMO/MUBs and Expat ranges
  • Up to 80% LTV
  • Loans available up to £1m
  • Wide range of fee options available at 75% LTV


  • 2 year rates from 3.04%
  • 5 year rates from 3.29%
  • Up to 90% LTV available
  • Large Loans available up to £1.5m
  • Fee Saver - Free Valuation & £0 Product Fee
  • Complex incomes and low credit scores
  • Up to 4 applicants with combined incomes
  • Purchase or remortgage available across all products


  • 2 Year rates from 4.59%
  • 5 Year rates from 5.29%
  • 75% LTV available for England, London and Wales
  • 80% LTV available in Scotland

To discuss Vida Homeloans call our sales team on 01403 272625 (option 2) or email us at