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... 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 the servitudes (reason for refusal) AVOID Vida Home loans it’s a way to get your money and cause unnecessary stress. Read more Read less

The worst company ever I deal in my life.

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... 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 a rush and told that this was the best deal so I reluctantly agreed (although I have an excellent job and excellent credit history). This company are ludicrously expensive and my mortgage advisors since (3 to be exact) were horrified that this was such a poor deal especially as the interest rates were so low at the time. I could have had a capital repayment for cheaper and paid off some of the capital throughout the 5 year period). DO NOT USE this ROGUE company. I hope people read these reviews and have the sense not to use them - they shouldn't be in business. I have used a different name for review purposes. Read more Read less

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... 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 the credit referance agencies as a bludgeoning tool to extract monies rather than look into it first, or more likely chose not to look into it. Be careful with this borrower and allow lots of time. They can be difficult. Read more Read less

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... 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 on the property we need the report to get that money back! I would appreciate it someone could get back to us on this Read more Read less

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....

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... 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 more details. Which when they are lending a large sum of money, they need to do those checked! I will be recommending VIDA to anyone I can if they are in the same situation as we were. Thank you VIDA for making our dream home, a reality. Read more Read less

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... 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 mortgage is a no. Not based on the survey as the house is only 5 years old but based on the information we have supplied which they’ve had for weeks. Ridiculous we will now lose the house we’ve been waiting to buy and the whole process has been incredibly stressful. Total waste of time this company. The mortgage we wanted was 1/3 of the price of the house we was buying so they had no risk as the equity was twice as much as the mortgage and our earnings was more than enough to cover the payments which we provided evidence of numerous times so there is no logic in why they’ve turned down the mortgage. My advice is don’t waste any time with this company they will leave you hanging for months with endless reasons and then say no in the end. Read more Read less

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... 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 Vida) This is day light robbery. I would never recommend Vida to anyone. Please stay away. You will be disappointed. Read more Read less