Vida enhances remortgage, high LTV, and credit impaired ranges

Vida has announced a series of enhancements across its specialist residential range.

As part of its strengthened remortgage offering, Vida has increased the maximum LTV for debt consolidation on its Vida 36 Tier from 85% to 90%. The uplift broadens options for customers looking to restructure debt while securing a more manageable monthly payment and gives brokers greater flexibility when placing cases.

Alongside this, Vida has enhanced its Pathway range — designed to support customers with limited deposits or a shorter credit footprint. The range now includes 90%, 95% and 97% LTV products, available across both two and five-year fixed terms. For a limited time, all Pathway products come with no assessment fee, and many include up to £1,250 cashback on completion. Brokers can also access fee saver options with no product fee and a free valuation.

Building on recent improvements across its core proposition, Vida has also raised the threshold for disregarding defaults and CCJs when determining product tiering. The limit has increased from £250 to £500 across all Vida product tiers, enabling more customers with historic adverse credit to qualify for better rates.

Ross Williams, head of mortgage product management at Vida, said: "These enhancements demonstrate our commitment to being the lender brokers can rely on for their specialist residential cases. Whether it’s supporting customers with debt consolidation needs, low deposits, or historic credit events, we’re continuing to widen access and deliver products that provide real world solutions. Our message to brokers is simple: if you’re working on a specialist residential case, Vida is the place to start."