Which Vida Homeloans accounts accept US citizens
Last checkedVida Homeloans offers a residential mortgage to a US person.
If you already have an account with Vida Homeloans, a second one there is usually the easier application, because Vida Homeloans has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.
At a glance
| Account | Verdict | Last checked |
|---|---|---|
| Mortgages | Opens |
Mortgages
Compare with other providersThe most open lender on this page for someone on a visa, and the only one anywhere that sets no minimum time remaining on it. A skilled worker visa puts you on the foreign national range, which reaches 90% loan to value on £50,000 income alone or £70,000 jointly, with 5% of the deposit from your own funds. The condition that bites is currency: pay in dollars is refused.
Through a broker · skilled worker visa accepted with no minimum time left on it
| Account | Terms | The catch |
|---|---|---|
| Foreign nationals 2 year fixed (opens in a new tab) |
|
Cleanest credit tier. Loans from £50,000 to £2,000,000, plus a £195 assessment fee. Needs 5% of the deposit from your own money. |
| Foreign nationals 2 year fixed at 90% (opens in a new tab) |
|
Reaching 90% needs one applicant on £50,000 or joint income of £70,000. Maximum loan £1,500,000. The five year version is 7.13%. |
Source: Vida intermediaries lending criteria and residential rate sheet, 2026-08-17 (opens in a new tab) Last checked Vida Homeloans's own page (opens in a new tab)
Account names link to the provider's own site. momo has no active affiliate partnerships; if that changes it will be disclosed and will never change a verdict. Every institution, A to Z.