Vida Homeloans Recenzje 

Raymond Smith Underwiter

I have recently worked with Ray on a case for a client that required a little extra care and attention to detail. Ray took his time to ask the necessary questions and allow me to explain the clients circumstances in more detail. The case offered in good-timing and the client is over-the-moon with the result.

Thank you, Ray, for your patience, guidance, and understanding.

I had couple of complex cases with the lender . The the underwriter ( Jodie) and the Vida BDM team done the best to simplify the process and work closely with me to get the mortgage offers promptly.

⚠️ EXTREME CAUTION ADVISED – CLEAR PATTERN OF CUSTOMER DETRIMENT

I am writing this review as both a customer and a direct victim of the practices described below.

I am an experienced property investor and have engaged with a number of UK mortgage lenders across buy-to-let and other property finance transactions several years. This has given me a clear basis for comparison in terms of underwriting standards, valuation practices, transparency, and customer treatment.

Among all the lenders I have dealt with, this company stands out as exhibiting the most concerning , untrustworthy and questionable conduct.

Publicly available Trustpilot data shows that approximately 24% of customer reviews are one-star or zero-star. In practical terms, this means that nearly one in four customers report a severely negative experience after engaging with this company. For a regulated lender, this proportion is highly abnormal and cannot reasonably be dismissed as coincidence.

A clear and recurring pattern emerges from both public reviews and my own experience. Customers are required to pay substantial valuation fees and booking or application fees upfront. In many cases, the lender is fully informed of the complexity and material circumstances of the application at an early stage, and in some instances even issues a Decision in Principle, creating a reasonable expectation that the case is viable.

However, applications are then declined only after the valuation has been completed, with refusals relying on minor, arguable, or clearly foreseeable issues that are raised post-valuation. Customers are left asking why these matters were not identified or addressed before fees were taken.

The valuations themselves are frequently perceived as being conducted at disproportionately high cost and assessed in an excessively conservative or subjective manner, resulting in customers incurring significant and often non-recoverable financial losses before rejection.

Taken together, this creates a widespread and reasonable perception that financial risk is systematically transferred to applicants, while upfront fees are retained, rather than applications being assessed fairly, proportionately, and transparently at the outset. Many customers, myself included, reasonably question whether this outcome is structurally embedded within the company’s operating model.

Having dealt with multiple lenders recently, I can state that this pattern is materially different from standard market practice. No other lender I engaged with demonstrated such a high concentration of post-valuation refusals following the collection of upfront fees.

I consider myself fortunate to have recognised these warning signs at an early stage and to have limited my losses by stopping the process in time. Unfortunately, based on the volume, consistency, and similarity of one-star and zero-star reviews, many other customers were not as fortunate.

I have now formally issued written complaint letters to all relevant parties, explicitly requesting a full refund of all fees paid.
In the absence of a timely and satisfactory response, I am fully prepared to pursue all available legal and regulatory remedies without hesitation, including escalation through formal regulatory channels.

Given the seriousness and consistency of the concerns raised, extreme caution is strongly advised for any prospective customer considering engaging with this company.

Brilliant lender! Smooth process from start to finish. Was kept informed every step of the way, highly recommended

Dont even think of using these sharks. Delayed redemption to force extra fees, don't reply or send send emails, dont reply to calls, terrible call centre with 45 mins- 1hr wait, don't confirm redemption, change their bank details frequently to make redemption complicated. Worst lender ive ever experienced. Aggressive, extortive lending, from

I pay round about £600 for house valuation and.....Today after 3 weeks of house valuation they refuse my mortgage.
Reason: To many transactions
You remember after 3 weeks of the house valuation

Overall a seamless experience and Vida have really picked up their service over the past 2 years. Underwriter Barry was on it from the beginning and made it easy and smooth throughout.

A great lender who’s been supportive of a portfolio landlord client of mine. People are willing to help and go above and beyond more often than not, a huge thank you to you all!

Very good service

Exeptional service provided throughout the recent lending process for my client. As a broker, I work with many lenders, and I was genuinely impressed by the efficiency and clarity with which Vida Home Loans team handled every stage of the assessment, especially Barry Lindsay. His communication was timely, accurate, and proactive, which made the experience seamless for both myself and my client.
Barry's professionalism stood out, but equally important was the human touch he brought to the lending decision. He took the time to understand the clients’ circumstances and approached the process with empathy and transparency. This combination of expertise and genuine care reflects a high level of service that is not always easy to find in the industry.

I really wish we had taken more notice of the bad reviews, instead of looking at the positives.
They build your hopes up, you pay the fees, only to decline you, even though they were given all the information about the complexity of our case beforehand and giving us a decision in principal.
Our mortgage advisor worked hard for us but had his time and ours completely wasted.
We really hoped Vida was an understanding lender but actually they're just another one of the reasons our country not a good place to be.
Hard working people having to jump through hoops just because they hit some hard times in the past and yet nobody wants to give you a chance.
We've never ever missed a single rental payment in the 3 years we have lived in the property, that we now have the chance to buy but Vida have quashed our hopes of that now.
We obviously feel it is completely unfair and are actually devastated

Had a fantastic experience with Andrea Blane. She was very professional, helpful and efficient and secured our mortgage offer for us.

I am writing this review regarding an underwriter named Andrea Blane, who got my clients mortgage application to offer as a matter of urgency from taking control of the case in the absence of one of her colleagues in 3 hours. She appreciated the urgency of the case which had been in Vida's systems for almost 4 weeks and made it happen. I wish every underwriter used the logic and common sense that she did to get things done - she was AMAZING !!! Thanks Andrea hope you have a wonderful Xmas and all the best for 2026!!!

As a mortgage broker using a new lender, it is always a bit nerve wracking but I need not have been worried. It was a seamless process with a great underwriter (Matt) - I will not hesitate to use again.

Staggeringly Poor service. Valuation well below expectations. Tried to appeal, but case withdrawn before got an answer.
New valuation elsewhere came back as expected. Valued same week.

Great lender for specialist cases, great company would highly recommend.

The fact that Vida is doing great is straightforward, their phonelines are very busy.
Vida loan amount to rental income is the highest, very helpful when the property to be let is expensive.
Broker support is amazing.

Have a lovely Christmas!!!

I’ve been using Vida for a long time now, and I truly feel they’ve gone from strength to strength in recent months. In particular, a recent case — which was far from straightforward — really highlighted the quality of their service.

It made a huge difference being able to speak directly with the underwriter and work through the details together. That personal touch meant a lot, especially given how sensitive the case was. I want to pass on my sincere thanks and appreciation to Barry and his team for their support, professionalism, and understanding. They’ve gone above and beyond to help me deliver the best outcome for my clients, and it’s genuinely appreciated.

I was referred to work with Barry Lindsay on a mortgage case and his attention to detail and customer service was outstanding. He gave me regular call updates and kept me informed throughout the whole process.

Great lender! only took us 3 weeks from application to offer :) thank you very much Vida Homeloans for making it all possible!