Vida Homeloans launches new high LTV Pathway range to help more people find a place to call home
22 January 2026
Vida has launched a new range of high loan-to-value (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 2 or 5 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[1].
As part of the Pathway range, Vida has introduced new 2-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.
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.”
The products are also available to home movers and those looking to remortgage, ensuring customers 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.
These include, but are not limited to:
- Removing the requirement for rental evidence on Right to Buy cases
- No longer requiring a Business plan for Buy to Let Portfolio Landlord applications
- Professional Consultant’s Certificate (PCC) is being reintroduced as an acceptable form of certification, provided it is issued by a suitably qualified professional consultant
- A revised cohabitation policy, including married couples
These changes are aimed at reducing friction and improving the broker experience.
James Thornton, Head of Underwriting at Vida Homeloans, 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.”
[1] Free valuation on properties up to £500k on Fee Saver products.
