Vida Homeloans Mortgages
Specialist residential mortgages for self-employed borrowers, contractors, and those with complex income. Flexible assessment, competitive rates, and rapid decisions.
Income flexibility, competitive rates
Vida Homeloans is a specialist residential lender that focuses on borrowers whose income does not fit the standard employed payslip model. Whether you are self-employed, contracting, or have income from multiple sources, Vida's underwriting approach is designed to recognise and accommodate your earning reality.
Through Doulton Bridging Finance, we place cases with Vida regularly and understand how to present self-employed and contractor applications for the best outcome. Their intermediary-only model means professional guidance is essential, and we know their criteria and preferences inside out.
Self-employed mortgage expertise
Self-Employed Specialist
Vida excels at assessing self-employed income, working with one or two years' accounts, SA302s, and company accounts to build a clear picture of your true earning capacity.
Contractor Mortgages
Dedicated contractor products that assess affordability based on your day rate rather than taxable income, often resulting in significantly higher borrowing capacity.
Near Prime Lending
Products for borrowers who sit just outside mainstream criteria, including those with minor credit blips, recent address changes, or short employment histories.
High LTV Options
Lending at competitive loan-to-value ratios for specialist borrowers, giving self-employed and contractor applicants access to higher LTV products typically reserved for employed borrowers.
Rapid Decisions
Vida's underwriting team is structured for speed, delivering decisions on specialist cases faster than many competitors and keeping your property transaction on track.
Intermediary-Only Access
Vida operates exclusively through mortgage intermediaries, ensuring every application benefits from professional packaging and presentation to their underwriting team.
How it works
Income Assessment
We review your income structure to determine whether Vida's specialist assessment methods could unlock better borrowing capacity than mainstream lenders offer.
Product Selection
We match you with the optimal Vida product, comparing their self-employed, contractor, and near prime ranges to find the best combination of rate and criteria.
Application Packaging
We prepare your application to Vida's specifications, presenting your income documentation in the format their underwriters prefer for the fastest possible decision.
Completion
We manage your application through to completion, working with Vida's case management team to resolve any queries and meet your transaction deadlines.
Explore Vida Homeloans mortgages
Self-employed or contracting? Discover how Vida's specialist assessment can unlock better borrowing. Get expert advice today.