Vida launches high LTV 'Pathway' mortgage range

Vida has launched a new range of high LTV residential mortgages, named Pathway. The products are designed to help more customers, particularly first-time buyers, onto the property ladder. 

The Pathway range offers products at 90%, 95% and 97% LTV, available with two or five-year fixed rates. For a limited time, all products in the range come with no assessment fee, and many include cashback options of up to £1,250 payable on completion. Fee Saver options are also available with no product fee and a free valuation.

As part of the Pathway range, Vida has introduced new two-year fixed rate limited edition residential products, available up to 95% LTV. These, too, benefit from cashback options and the Pathway no assessment fee offer.

The products are also available to home movers and those looking to remortgage, ensuring borrowers across the residential market can benefit from the new range.

In addition, Vida has announced rate reductions across a number of residential and buy-to-let products, as well as further enhancements to its application process. 

As part of the criteria changes, Vida has removed the requirement for rental evidence on Right to Buy cases and will no longer require a business plan for buy-to-let portfolio landlord applications.

A Professional Consultant’s Certificate (PCC) is being reintroduced as an acceptable form of certification, provided it is issued by a suitably qualified professional consultant.

It has also introduced a revised cohabitation policy, including married couples.

Ross Williams, head of mortgage product management at Vida Homeloans, commented: “The new Pathway range makes the route to homeownership even more achievable for first-time buyers. With high LTV options available with a deposit from just 3%, a choice of 2 and 5-year fixed rates, specialist products for Foreign Nationals up to 90% LTV, no assessment fees for all products above 85% LTV, and attractive Cashback incentives, Pathway helps to get life moving - especially for those taking their first steps into homeownership.”

James Thornton, head of underwriting at Vida, commented: “We’ve made a raft of improvements behind the scenes to make our application process as efficient and streamlined as possible. Brokers will enjoy the benefit across a range of case types, whether residential or buy-to-let. We remain committed to continually enhancing our broker journey, with many more improvements planned for 2026.”