
Mortgage Harbour is a new specialist lender. Its home loans are ideal for consolidating debt.
- Mortgages with 2, 3, 5, 10 and 25-year discounted rate durations
- Loan to value of up to 90%
- Mortgage Harbour is a direct lender, so no broker or advisor fees
- 4.89% fixed for the 2-year discount product with slightly higher rates for longer-term fixes
- No upper age limit
- One penalty-free payment holiday per year
- Free automated desktop-based home valuation
- A decision in principle based on a soft credit search
- Interest only terms
For example, if your home is valued at £200,000, you can borrow up to £180,000 with Mortgage Harbour.
Vida Homeloans, a distinguished name in the UK mortgage industry, has established itself as a beacon of innovation, flexibility, and customer-focused lending.
Renowned for its commitment to providing tailored mortgage solutions, Vida Home loans caters to a wide range of borrowers, including those with unique financial circumstances that may not fit the traditional lending criteria. This inclusivity and adaptability have positioned Vida Home loans as a preferred choice for many seeking to purchase or refinance their homes.

One of Vida Homeloans’ standout features is the affordability calculator. This intuitive online tool is designed to simplify the mortgage application process, allowing prospective borrowers to understand how much they can afford to borrow. By inputting basic financial information, users can receive an instant estimate of their borrowing capacity tailored to their financial situation. This level of transparency and ease of use underscores Vida Home loans’ dedication to customer empowerment and economic inclusivity.
Vida mortgage rates are another area where the lender shines. Vida Home loans offers competitive rates across various mortgage products, including fixed-rate and tracker mortgages.
This flexibility ensures borrowers find a mortgage rate that suits their budget and financial goals, whether first-time buyers, remortgaging, or purchasing investment properties.
The competitive nature of Vida mortgage rates and the lender’s understanding of diverse economic backgrounds make Vida Homeloans a compelling option for those navigating the UK’s complex housing market.

Vida Home Loans are available for existing property owners living in their own homes.
Vida mortgages are designed with the modern borrower in mind. Recognizing the evolving nature of employment and income, Vida Homeloans offers mortgage solutions catering to self-employed, contractors, and non-traditional income streams. This inclusive approach ensures that more people can access homeownership, regardless of their employment type or financial history. Vida Homeloans’ innovative lending criteria demonstrate a deep understanding of the changing workforce and the need for adaptable mortgage solutions.
Customer feedback plays a crucial role in the success of any lender, and Vida Homeloans reviews are overwhelmingly positive. Borrowers frequently praise the lender for its customer service, flexibility, and the ease of the application process.
Many testimonials highlight how Vida Homeloans has enabled them to achieve their homeownership dreams, even when other lenders could not offer suitable solutions. These reviews testify to Vida Homeloans’ commitment to making homeownership accessible to a broader spectrum of borrowers.

Moreover, Vida Homeloans’ optimistic and forward-thinking approach is evident in its continuous efforts to improve and innovate its services. The lender actively seeks customer feedback and market insights to refine its products, ensuring they remain relevant and beneficial to current and future borrowers.
This commitment to innovation and customer satisfaction ensures that Vida Homeloans remains at the forefront of the mortgage lending industry, continually adapting to meet the needs of its diverse clientele.
In addition to its product offerings and customer service, Vida Homeloans is also committed to responsible lending. The lender’s policies and practices ensure that borrowers are not overextended, promoting long-term financial stability and homeownership success.
This responsible approach is integrated into every aspect of the lending process, from the initial affordability assessment using the Vida Homeloans affordability calculator to the final mortgage approval.

The positive impact of Vida Homeloans on the UK mortgage market cannot be overstated. By providing innovative and flexible mortgage solutions, competitive rates, and exceptional customer service, Vida Homeloans has become a key player in making homeownership more accessible.
The lender’s understanding of the unique challenges faced by modern borrowers, combined with its commitment to inclusivity and responsible lending, sets Vida Homeloans apart in a crowded marketplace.
Vida Homeloans represents a new era in mortgage lending that embraces diversity, flexibility, and customer empowerment. With its comprehensive range of products, competitive rates, and a user-friendly affordability calculator, Vida Homeloans is equipped to meet the varied needs of today’s borrowers.
The positive reviews from satisfied customers further underscore the lender’s success in delivering on its promises. As Vida Homeloans continues to innovate and adapt, it remains a beacon of optimism for prospective homeowners across the UK, offering a path to homeownership that is both accessible and sustainable.

Mortgage Harbour financial products are ideal for people under 40.
Helping Customers Navigate the Home Ownership Journey with low vida mortgage rates
The home ownership journey often involves unravelling complex situations to meet home buying needs. At the heart of this process is a clear focus on helping first time buyers, existing property owners, and professional landlords manage financial complexity.
Innovative Solutions for Complex Situations
Vida combines cutting edge technology with skilled and caring people to deliver an efficient and differentiated customer experience. By investing in technology people, and processes, Vida helps customers unravelling complex situations and making the process clear and simple.
Specialist Mortgage Lending for Unique Needs
Borrowers need a lender who understands their unique circumstances. Working exclusively with expert mortgage brokers, Vida offers a market leading proposition tailored to specialist properties like ex local authority flats and homes with deck access or balcony access.
Key Features of Vida’s Mortgage Offering – they react and respond
Vida supports customers with low credit scores, minor unsecured arrears, and secured arrears considered. The offering includes:
- Enhanced residency criteria
- Income calculation ratio
- Second job income included
- Options for limited companies
- Support for self employed individuals
Supporting Diverse Customer Needs including buy to let remortgages
Whether you are living or working in selected worldwide countries or managing an unlimited portfolio size, Vida is here to help. With a focus on helping more customers, including first time landlords and higher rate tax payers, Vida delivers solutions for complex situations.
Types of Properties Covered
Vida caters to a wide range of property types, including:
- Ex local authority flats
- Specialist properties
- Adjacent commercial properties
- New build homes
A Dedicated Team to Ensure Success – Mortgage Lending specialist
Vida’s v hub team, underwriters, and partners work tirelessly to ensure every offer issued meets scheme limits and customer needs. This commitment extends to key workers, contractors, and those with debt management plans.
Why Choose Vida? What about the minimum income requirements?
Vida’s core purpose is to simplify the home buying process. By working with technology people and processes, Vida ensures a differentiated customer experience. Their expertise spans from managing secured arrears to offering specialist mortgage solutions.
Helping You Take the Next Step without high street banks
Whether you’re navigating financial complexity or exploring options for buy to let, Vida’s team is ready to assist. Their innovative approach to mortgage lending ensures you can take the next steps in your home ownership journey with confidence.
Last updated: January 24, 2025 at 2:38 am
Updated: 16 day(s) ago
Today's date: February 9, 2025
Remaining days in the month: 19 day(s)
Property Metric | Value |
---|---|
Equity Release Over 55 | 4.4% |
Retirement Interest Only Mortgage (RIO) Income Required | 4.22% |
Interest Only Lifetime Mortgages | 4.32% |
Standard UK Residential Mortgage 2 Year Fixed | 4.13% |
Standard UK Residential Mortgage 5 Year Fixed | 4% |
Adverse Credit UK Residential Mortgage 2 Year Fixed | 4.85% |
Adverse Credit UK Residential Mortgage 5 Year Fixed | 4.71% |
Homeowner Loans | 6.35% |
Bad Credit Secured Loans | 9.46% |
Prime Car Finance | 4.37% |
Bad Credit Car Finance | 7.38% |
Average Number of Days for a House Sale to Complete | 80 |
Average UK House Price | £290900 |
Average UK House Price Per Square Foot | £264.45 |