Vida Homeloans Recenzje 

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

I would give a zero star if I could.
Avoid them because they have charged me £440 and refunded only £250 and even waisted my time. This is unfair. Bad cuatomer service. Avoid Them!

Unacceptable Delays and Underwriting Incompetence: A Warning to Fellow Brokers

As a seasoned professional with 11 years experience as a mortgage broker and 21 years in financial services, I am genuinely appalled by the level of service and gross operational failures demonstrated by the underwriting department.

Timeline and Core Issues:

Application Submission Date: October 13th, 2025.

Current Date: November 25th,2025 (Over six weeks later).

Status: Still awaiting final information requests before a formal mortgage offer can be issued.

The most egregious failing is the discovery today that the case was initially handled by an underwriter who was "not fully signed off" and was only just escalated to a senior underwriter today.

The direct acknowledgement from the lender that "this should have been picked up weeks ago" is simply not an adequate response to the severe delay and distress caused to my clients.

This shocking lack of internal process control and competence is unacceptable. I urge other brokers to take note of this experience. This level of service is actively damaging to broker-client relationships and needs to be signposted publicly.

I cannot recommend this lender's underwriting services based on this disastrous application experience.

I am pleased to highlight the outstanding performance delivered by Barry Lindsay from Vida Homeloans, whose commitment to excellence has exceeded my expectations. Throughout our interaction, Barry has demonstrated exceptional professionalism, strong attention to detail, and a clear dedication to providing top-tier service.

Barry approached to my case was speedy, proactive communication, and a genuine desire to help. Their ability to anticipate needs, resolve issues quickly, and follow through with accuracy has made a meaningful impact on our experience. Not only do they deliver results, but they do so with efficiency and reliability that set a high standard for service quality.

Please go on to smart money people and read the reviews for this place. I had a gut feeling about this company but mortgage broker swayed otherwise & guess what everything people posted as negative experiences did happen to us. Waste of time and stress to get absolutely no where. False promises and absolute rubbish reasons why they reject the mortgage , take your money on false hope and f*** you over. Save yourself a melt down and go avoid !!!!

unfortunately not a good experience for myself of client. I spoke to Vida on numerous occasions as the case was complex, and received positive news so we went ahead a placed the application, sent all requested documents, paid the valuation and admin fee, only then to receive a phone call informing us the case had been declined. Very poor service

This one of the most fraud lander in the UK. First of all their interest rate is lower than anyone. Nest step is The take more that £650 for the property valuation but try to find some problem on the property to refuse to lend. It cost £80 -£120, not £650. Their main income is this. I have twice this experience. They will never give you the valuation report. Strongly advice not been greedy like me and lose money on so called valuation. All lender do valuation but no one charge.

I recieved a terrific service from Barry Lindsay. Very communicative and professional. Happy to discuss not just specifics to the case but also general questions that he didnt have to help me with. He always answered quickly and got the application through in a timely manner.

Could you please provide an update on the progress of the offer?

Reference 850047099

Just like to say a massive thanks to Zoe Fidler for a recent tricky case I submitted. The purchase had lots of different elements to it but Zoe was always on hand to chat through the case and by working together we've got a positive outcome for the customer.

I am writing this review to express my deep frustration and disappointment with the way my request for a redemption statement has been handled by this firm. The entire experience has been appalling, marked by repeated delays, conflicting information, and a complete lack of professionalism and consistency from the team.

Both my solicitor and I have faced unnecessary obstacles at every stage. Despite following every instruction given, our requests for the redemption statement have been repeatedly rejected without any clear justification. My solicitor has made multiple phone calls and submitted three separate requests through the company’s online portal, yet the issue remains unresolved.

To make matters worse, the company refused to accept the request by email or fax, insisting that it must be submitted through their online system which clearly does not work properly. We were told that the system could not process our request because it could not handle the length of our company name.

What’s even more concerning is the conflicting and inconsistent advice received from different staff members. One advised using the director’s full name, another suggested initials and part of the company name, and a third said to use my surname and mortgage account number. We tried every method and all were rejected.
This confusion and lack of clarity have caused significant and unnecessary delays. As a direct result, our property completion, scheduled for today, has failed to go ahead resulting in financial loss and considerable stress.

To make matters worse, I submitted a formal complaint on 27th October 2025 and received only an automated acknowledgment, stating that someone would get back to me within three working days. It is now 10th November 2025, and I have still not received any response or update. This complete lack of follow-up only reinforces my impression of disorganisation and disregard for customers.

Frankly, the situation feels like a deliberate attempt to frustrate or delay the release of the redemption statement, potentially to obstruct my ability to remortgage with another lender. Such behaviour is unacceptable for a company of this size and reputation and raises serious concerns about their commitment to fairness, transparency, and basic customer service.

Avoid this company if you value professionalism, accountability, or timely communication.

Lisa and the team have been great, I would highly reccommend

Massive thank you to Barry who was the underwriter on MY first ever case I have submitted to Vida. He was helpful, knowledgeable and in regular contact, which is almost unheard of from a lender. I will certainly now use Vida again, and I am hoping Barry is the underwriter for the next case.

Vida has been amazing for us, incredibly thorough throughout the process. We received our mortgage offer today, and we’d like to give a special shout-out to Pat, our underwriter, who kept our broker informed every step of the way. Their understanding approach to underwriting made all the difference, and thanks to their approval, we’re finally able to buy our forever family home. Thank you, Vida! x

Mark Beddows was excellent in underwriting the case of mine for a client, very thorough, transparent and willing to help understand the rationale, which was good and used common sense, which is a rare commodity nowadays. First class service from him, thank you!

We went to vida through a broker as they provided us with a DIP. Submitted our application and provided all information and documents requested.
Firstly their service is extremely slow asked for things we had already submitted and waited 5 days for a response to ask for something else when all information could have been asked for upfront. After 5 painful weeks we where then declined due to the fact i had been off work sick (on full pay, so no salary drop, which i am entitled to 6 months full pay and was off for 7 weeks) due to having breast cancer.
I was given the all clear, yet vida have declined our application due to the fact i had cancer and they couldnt be sure my income would not be affected. Even though i provided not 1 but 2 letters from my employer to prove i was back at work.
Think its discrimation at worst and 2 completely shocking given it took 5 weeks to come to this point when they knew upfront why i was off.

1. My pay was not affected and i could prove i was entitled to 6 months full pay.
2. I am cancer free but yet being punished and discrimated against for having cancer at age 33 might i add i have a full life to live yet. And
3. We have insurance as well as group income protection so shouldnt this be taken into account?

Honestly never been made to feel so bad in my life for being unwell.

Vida's underwriters and completions team are excceptionally quick at responding and are very much accessible for important communications, which is very difficult to come by.

Case was dealt with in a timely manner. Nice to be able to leave notes for the underwriter , who always responded.

Application to offer was very straightforward and there was great communication throughout.