I am pleased to share details of Vida Homeloans’ exclusive 95% LTV residential mortgage products, designed to support first-time buyers and those with smaller deposits or historic adverse credit. These products are available through Premier Hub and offer competitive fixed-rate options, cashback benefits, and flexible terms.
Key Features & Highlights:
- Loans available from £50,000 to £750,000
- 95% Loan-to-Value (LTV) on Vida 24 tier
- No £195 assessment fee on any BTL or Residential products during this exclusive offer
- First-time buyers welcomed
- Available for home movers and remortgages
- 2-year fixed rate options for flexibility
- Customers with impaired or improving credit considered (defaults and CCJs under £500 excluded from product tiering)
- Market-leading 0.70% Proc Fee paid
- Offers delivered 5 days faster than in 2025
Product Options:
|
Product
|
Tier
|
Type
|
LTV
|
Initial Rate
|
Cashback
|
Product Fee
|
Product Code
|
|---|---|---|---|---|---|---|---|
|
2 Year Fixed
|
Vida 24
|
Exclusive Fixed
|
95%
|
7.27%
|
£0
|
£995
|
RST2442921
|
|
2 Year Fixed
|
Vida 24
|
Cashback Fee Saver
|
95%
|
8.31%
|
£1,250
|
£0
|
RCF2442922
|
Additional Information:
- Standard valuation fees apply
- Minimum loan: £50,000
- Maximum loan: £750,000
- Vida Variable Rate (VVR): 5.80% (set on 01.02.2026)
-
Early Repayment Charges (ERCs):
- 4% until 31/03/2028
- 3% until 31/03/2029
- Product terms fixed until 31/03/2029
- Revert rate: 8.44% (VVR + 2.64%)
Please note: These exclusive products may be withdrawn without notice.