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Vida Home Loans: Mortgage reviews

Name: Mortgage
Rating: 1.39 (31 reviews)

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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

10%

4 star

3 star

2 star

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

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

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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 revie...

Vida Home Loans Mortgage reviews (31)

Review of the Vida Home Loans, Mortgage:

AVOID!!!!!

DIP 14th May 2024 Declined 25th July 2024 Property is in Scotland, home report and valuation provided before DIP. Vida wouldn’t accept valuation report even though RISC approved. We paid £195 application fee and then a further £340 to Vida for another valuation. To find out we couldn’t get a mortgage due to valuation report even though the report was identical to the 1st valuation. Why not say we can’t have a mortgage at the beginning based on the details being provided about ... Reviewed on: 13th September 2024

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 with misleading terms, only to pile on unexpected charges at every stage of the process. After weeks of delays and frustration, they refused to refund my money, leaving me out of pocket for nothing! Their lack of transparency and professionalism is shocking. Do yourself a favor and stay far away from this lender! They will take y... Reviewed on: 12th March 2025

Cowboys

The worst company ever I deal in my life. Reviewed on: 9th September 2022

Extortionate - ripoff company

Wow just look at all the negative reviews. Almost 50:50 for good and bad (most likely the 50% good reviews are from relatives and friends of people who work at this rip off company). I had a mortgage deal (sourced by another useless company called KEY MORTGAGE ADVICE in Preston and Southport, whom I also recommend NOT using ) which resulted in £800pcm over 5 years rather than £400pcm and a penalty payment of approx.£8000 if you wished to be released early). At the time, I was in... Reviewed on: 4th August 2022

unplasant and uneccesary

I have many mortgages spread over many borrowers over many years so it's the voice of experience here. Vida are difficult to deal with and are quick to make uneccesary threats. I suspect a robotic system churns out the onerous posts and it can be unplasant. In my case they did not respond to a mandate they wished to set up which led to the usual boring threats of turning your business into toast. The law is partly to blame giving the power to these incompetant borrowers to use t... Reviewed on: 5th February 2022

I would not recommend!

I’ve had a terrible experience with Vida- they are incredibly unresponsive, we were told we could request for an exception to getting the valuation report as our property was down valued by 85k! We waited for two weeks after sending in the rationale and our request but heard nothing! Just kept getting told we will get a response soon! Everyone was totally uncooperative and rude and it’s just been a terrible experience, we are still waiting and since we put a deposit of 5k down o... Reviewed on: 31st January 2022

Steer clear

I wouldn't give this company any stars and I'm amazed that they have not been investigated. I am currently seeking advice from the Financial Ombudsman with regard to my application.... Reviewed on: 17th September 2021

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 lender The communication I had with them and my broker had with them was over and above what I expected. I could not fault the customer service that I received from them, we are stupidly happy! Our case went over to appeal in which the senior underwriter and senior members of staff were committed to helping us and needed to know ... Reviewed on: 6th September 2021

Awful

Absolutely complete time wasting company. We submitted an application in September and have had endless hold ups, delays and no communication. Kept asking for additional information even though it was originally supplied and just kept saying we’d have to wait 2 weeks each time for updates. Even got to the point where they instructed the valuation after 3 months as the sellers were getting very frustrated and the survey was done today and now they’ve decided the answer to the mor... Reviewed on: 20th November 2020

Extremely high interest rates

We had a 2 year fixed rate mortgage with Vida which expired in June. We asked whether we could switch products but they informed us that they did not have any products, hence we have been paying their SVR which is over 6% I have checked their website and although they have new mortgage rates they will not allow us to remortgage as these products are only for new customers. ( Unfortunately, due to the pandemic we are finding lenders extremely cautious, hence we are stuck with Vid... Reviewed on: 9th October 2020

Very very very poor

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 becaus... Reviewed on: 21st June 2020

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