We are pleased to announce rate cuts of up to 95bps across our residential range, along with the reintroduction of residential purchase products. The reductions apply to Vida 1,2 and 3 residential purchase and remortgage ranges, making the prices some of the most competitive in the specialist market.

Today’s changes are part of our continuing commitment to offer mortgage intermediaries a wide range of flexible residential and BTL criteria at competitive rates, catering particularly for those customers whose finances have been affected by the Covid-19 pandemic through no fault of their own.

RESIDENTIAL & REMORTGAGE HIGHLIGHTS

  • 2 year fixed rates from 3.13%;
  • 5 year fixed rates from 3.49%;
  • Rate cuts across Vida tiers 1-3;
  • Up to 80% LTV.

COMBINED WITH OUR SPECIALIST CRITERIA

  • Minimum loan size £100,000;
  • Complex incomes and low credit scores;
  • Up to 4 applicants with combined incomes;
  • First Time Buyers welcomed.

We’re also pleased in inform you that we have also made reductions to our Vida 1, Buy to Let HMOs and MUBs range by 20bps.

BTL HMOs & MUBs HIGHLIGHTS

  • 2 year fixed rates on HMOs & MUBs from 3.09%;
  • 5 year fixed rates from 3.49%;
  • Up to 75% LTV;
  • 1.5% product fee;
  • Vida Flex available for HMOs & MUBs from 3.84%.

COMBINED WITH OUR SPECIALIST CRITERIA

  • Minimum loan size £100,000;
  • Rental cover from 125%;
  • SPVs accepted across BTL ranges;
  • Impaired & improving credit history;
  • Portfolio landlords, up to £4m.

For more information, please see our brochures on our website.