Smart Money People Logo
Share this page
Link copied

Vida Home Loans: Mortgage reviews

View other Vida Home Loans products
1.30
Based on 31 reviews, last reviewed 12th Mar 2025
No new 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
10%
4 star
See only 4 star reviews
0%
3 star
See only 3 star reviews
0%
2 star
See only 2 star reviews
0%
See only 1 star reviews
90%

Latest highest rating:

5

Over and Above I honestly could not fault VIDA at all. Yes, it probably took a little bit longer than most, but what do you expect when you are going to a specialist... Read more Reviewed on: 6th September 2021
Schroedz's avatar
Schroedz

Latest lowest rating:

1

Absolutely terrible experience! Absolutely terrible experience! This company is nothing but a scam—full of hidden fees, false promises, and a complete waste of time. They lured me in... Read more Reviewed on: 12th March 2025
Abdo's avatar
Abdo
Read all reviews Write a review

About this product

Vida Homeloans provides mortgages through intermediaries. The lender claims to help borrowers in a range of circumstances, including first time buyers, expats, the self employed and more. It’s important to understand the Ts and Cs and interest rate of a mortgage. Always consult the lender or an independent advisor if you have any questions.

No matter your circumstances, finding the right mortgage and lender for your needs can be difficult. Reading customer reviews can give you valuable insight into the provider and its mortgage products. Our Vida Homeloans mortgage reviews are written by genuine customers to help you make an informed decision when choosing your lender.

Find out why borrowers chose Vida Homeloans as their mortgage lender, and how satisfied they’ve been so far. Learn which mortgage they took out, and whether they feel they made the right choice. Read about Vida Homeloans’ customer service team to learn how well it handles customer concerns. Find out if borrowers would recommend the lender and mortgage product to their family and friends. Browse through our Vida Homeloans mortgage reviews to find the ones most helpful to you.

Did Vida Homeloans help you buy your home? Tell us about your experience. If you feel comfortable, share some details about your circumstances - did Vida Homeloans help where other lenders couldn’t? What mortgage do you have? What are the main pros and cons you’ve experienced? How communicative is Vida Homeloans? Would you recommend the lender to your family and friends? Whether good or bad, write an honest Vida Homeloans mortgage review today. Together, we can help people like you make better financial decisions.

Review Vida Home Loans: Mortgage now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Vida Home Loans Mortgage reviews (31)

Very very very poor

1
Greedy crooks Hi I been with Vida for over 2 years Hi I been with Vida for over 2 years , I not happy with service . Further to this my Vida product has ended , I tried to do a product change for 9 months , calling asking for change. But they said no product changes at the moment The lack of product change ,this has put me in a difficult situation , because of the virus I was unable to Work self employed with 4 children I understand the mortgage terms conditions , but because of the virus it affected my financials. If there was no virus I would not be writing this review .Vida should respect the customer and not be so greedy and do a product change as the interest rate is at a very low and I’m paying 6.14 after product change finished. Further to this I have to pay £1000 more on my monthly payments. There must be other people in the same situation Because of Vida I await for Vida reponse to this Situation. I trying to get a new mortgage it’s very difficult because of the Economic situation at the moment. It be better for me Vida to help customers in there time of need and not take advantage of the situations , if you don’t change your policy of product Change you will put many customers in a bad situation. Further to this Vida took 8,000 in application fees for a 2 year product also, lookIng at the review I’m not the only person in the situation See title crooks below this is a copy of another Vida customer in the same situation Crooks Crooks, simple as that. I paid them £8000 in fees two years ago for a 2-yr fix at 3.14%. Now that is coming to an end, they are jacking it up to 6.64% variable and say they are not offering fixed-rate products to existing customers. Thus my repayments will jump £1,000 a month or so. Anyone out there thinking of taking a mortgage with these guys should think again. They are rip-off merchants!!! Thank you Reviewed on: 21st June 2020
Mash Ashraf's avatar
Mash Ashraf

Don't touch this company

1
Please, whatever you do never take out a mortgage with this company. I recently applied for the standard covid-19 payment holiday because my tenant was struggling, they approved it, and now have recorded a missed payment against my credit file. I called them, explained the situation, was promised a call back and almost a week later have they called me? Of course not! I'm sure they'll be constructing some ridiculous excuse to justify screwing up my credit report at such a difficult time for everyone around the country Reviewed on: 23rd May 2020
Dominic Forristal's avatar
Dominic Forristal

Definitely recommend

5
We completed on our home today! Thank you Vida homeloans for getting us on the ladder and accepting us when no one else would. If you do go with vida it does take a little long than say a high street bank, but vida is giving you a lot of money so they have to make sure they can trust you to pay it back. Thanks for trusting me vida homeloans, I won’t let you down! Reviewed on: 10th January 2020
Jamie 's avatar
Jamie

rip off merchants

1
bunch of cowboys, they gladly take your money for valuation etc, make initial offer then decline mortgage and cant give a valid reason , valuer should have been told lease extension upon completion which was agreed between broker and vida, seems like he wasnt hence he said couldnt value property...have asked in writing why offer was declined and asked for valuers reason but they decline to comment, will try and take this to ombudsman and tv watchdog to try and get my hard earned 500 pounds back, i'm not a legal expert but am going to try and take this as far as poss, daylight robbery ... Reviewed on: 6th December 2019
Mark Lavenham's avatar
Mark Lavenham

Disgraceful service

1
Applied for a mortgage with Vida through a financial advisor firstly they wouldn’t lend the amount I wanted to borrow only 5k more over a longer term .over 3 months later and 3 days before myself and my 2 children where due to move house they rejected my mortgage on grounds of affordability this was despite me reducing my mortgage by nearly half and my monthly payments reducing also , had never missed a payment on my previous mortgage, luckily for us it was a small mortgage and family stepped in and gave me the money required to buy my house , now think I may have had a lucky escape from this company . Reviewed on: 28th August 2019
Maureen Williams's avatar
Maureen Williams

Disgusting company

1
Most disgusting experience using this company I’ve wasted over 13 weeks waiting to get a mortgage offer I’ve spent more time sending documents over and over again . Now just had mortgage offer declined with not even a good reason I may now lose our dream home due to been strung along with staff that don’t know what they are doing do not use this joke of a company complete time wasters how just take your money and waste your time Reviewed on: 11th April 2019
Angela 's avatar
Angela

mortgage provider from Hell!

1
1. They force borrowers to use vida's solicitors! Evident whose interests the solicitors look after. 2. Use the notoriously scum surveyors e.surv who consistently undervalue properties, so vida gains equity from the outset while borrowers loose and they have to use additional capital that may not have from the outset. 3. they require borrowers to insure the property before completion under "normal terms and conditions". The property is normally undervalued by e.surv that makes it very difficult to insure the property under "normal terms and conditions" (many insurers refuse). In this case vida refuse the mortgage (this after having gone through all the process and having spend legal, valuation and any other fees) but the borrower is obliged to buy the property for which has not mortgage or capital any more! Avoid avoid avoid! They pay high commissions to brokers to push them to clients. Do not even discuss this, just walk away! Reviewed on: 28th November 2018
Paul, Merseyside's avatar
Paul, Merseyside

Run, run fast!

1
Please don't ever think about going with this bank! Please are rude, un-competent, lazy and slow there. We have been waiting 4 months (!) to get a mortgage and they were giving our case from one employee to another, so we had to re-send stuff every month. It's a miracle that our seller has been waiting so long for us - in any other case we would loose the house. There is no contact with them, no chance to follow up with your case - they will drive you insane. I swear I was close to going to some newspaper with this. Please don't make the same mistake I did. Alex Reviewed on: 12th November 2018
Aleksandra's avatar
Aleksandra

AVOID AT ALL COST

1
Cowboys...thieves!!! Have strung us along for 4 months making us jump through hoops while stealing our money Reviewed on: 8th November 2018
Sammi Lou's avatar
Sammi Lou

Stay away

1
Shocking experience dealing with this company..4 months since our AIP from them, we have been jumping through every hoop they asked of us, paid out for extra surveys and they still say no! They have taken our money and ran without giving any valid reasons for declining. If you value your sanity stay well away from them Reviewed on: 8th November 2018
Sammi Lou's avatar
Sammi Lou

Review Vida Home Loans: Mortgage now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill