Vida Homeloans

Vida Homeloans: Tailored Lending for Complex Borrowers

Vida Homeloans is a specialist mortgage lender known for providing flexible lending solutions to those with complex financial situations.

Whether you’re self-employed, have a less-than-perfect credit history, or operate as a buy-to-let investor, Vida Homeloans offers products that cater to your unique needs.

At Kerr & Watson, we work closely with Vida Homeloans along with other lenders to ensure that our clients have access to these tailored mortgage options.

Why do people consider Vida Homeloans?

Flexible Lending for Complex Situations

Vida Homeloans is ideal for borrowers who may not meet the standard criteria of high street lenders. Whether you have adverse credit, irregular income, or are self-employed, Vida offers mortgage solutions tailored to your specific needs.

Specialist Buy-to-Let Expertise

Vida Homeloans offers competitive buy-to-let products for both individual landlords and those operating through limited companies. Their flexible criteria and comprehensive product range make them a popular choice for property investors.

Self-Employed and Contractor-Friendly

Vida Homeloans understands the challenges faced by self-employed individuals and contractors, offering products with flexible income assessments to ensure you get the financing you need.

Exclusive Broker Products

Vida Homeloans operates exclusively through intermediaries, meaning you’ll need to work with a mortgage broker to access their products. At Kerr & Watson, we ensure that you get the expert advice needed to secure the best deal for your financial circumstances.

Switching Your Rate with Vida Homeloans

If you’re an existing Vida Homeloans customer and your mortgage term is coming to an end, switching to a new rate could be a straightforward and cost-effective process. Vida offers competitive rate-switching options with no additional valuation or legal fees. Kerr & Watson will guide you through the process, ensuring that you secure the best possible terms.

Product Highlights

Adverse Credit Mortgages

Vida offers tailored products for clients with missed payments, defaults, or other credit impairments, helping you secure a mortgage even with a challenging credit history.

Buy-to-Let Mortgages

Vida’s buy-to-let products cater to both professional landlords and those just starting, with solutions for individual properties and portfolios.

Self-Employed Mortgages

Flexible options designed for contractors and self-employed borrowers with irregular income streams.

Why Contact Kerr & Watson?

Finding the right mortgage when you have non-standard financial circumstances can be difficult. At Kerr & Watson, we simplify the process by providing expert advice and access to specialist lenders like Vida Homeloans. Our team will work closely with you to ensure you get the best mortgage for your needs.

Get in Touch

Don’t miss out on Vida Homeloans’ specialist mortgage solutions.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your situation.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 7-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.