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The HMO Mortgage Broker

Vida Homeloans

Vida Homeloans is an intermediary-only specialist mortgage lender. They offer a range of residential and buy-to-let products designed for borrowers with complex financial situations, including those with impaired credit or non-standard income.

  • Specialist in adverse credit
  • HMOs and MUFBs up to 15 bedrooms
  • Tiered product range for different credit profiles

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Vida Homeloans HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • Yes:First-time landlordsFirst-time landlords are considered, but must have owned a residential property for at least 12 months.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredCore specialism is adverse credit, with products designed to handle historic CCJs, defaults, arrears, and debt management plans.
  • Yes:Borrowers aged 21 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Vida Homeloans and their HMO mortgage services.

What are Vida Homeloans's HMO mortgage rates?

Vida Homeloans publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Vida Homeloans's borrower criteria?

Vida Homeloans accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 21 years, maximum age: 85 years.

Does Vida Homeloans accept intermediary applications?

Vida Homeloans accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Vida Homeloans offer?

Vida Homeloans offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.