We are Belmont Green

Belmont Green provide mortgage solutions through its “Vida Homeloans” brand for Buy to Let and residential borrowers who find themselves underserved elsewhere. Our borrowers range from Buy to Let investors, to the self-employed and customers with multiple jobs.

Mortgages are distributed exclusively via mortgage intermediaries who support the borrower throughout their application process. We provide a wide range of market access with a network of c.13,000 partner intermediary firms.

Our products are structured on a risk-based tiered pricing model and are designed to be prudent and cautious, as well as delivering the best outcomes for our customers.

Our proposition is criteria driven, using a combination of a decisioning system and people, that then derives an understanding of the customer and their mortgage needs. All applications are reviewed by highly experienced and trained underwriters who ultimately make the lending decision, tailored to individual case circumstances.

Since 2015, following a period of early investment and growth, the business and platform is now established and profitable. Our highly experienced executive management team has a successful and notable track record in UK financial services and is set to drive a strong presence in the specialist Buy-to-Let and owner-occupied mortgage markets.

Vida Homeloans

Belmont Green lends to customers who fall outside the criteria of mainstream lenders via our specialist mortgage lending brand, Vida Homeloans.
Vida Homeloans - Every Mortgage Tells a Story

Key facts

Our business in figures
8500

Active Accounts

£1.7bn

Mortgage Book

£3.7bn

Residential Mortgage-backed Securities (RMBS) issued

3

Offices

180

Employees

4+

Excellent Service Provider (based on Trustpilot score)

Our business values

Our values lie at the heart of everything we do and provide a frame of reference for the behaviour we expect to see in our people every day. Refreshed in 2020, we look for these qualities when hiring new talent into the organisation, and they underpin our approach to personal development and performance management for all our people.
We innovate and break old habits. We think big and push boundaries together as one team.
We value each other's difference and work to see people for who they really are.
We are flexible and fast. We cut through complexity and never accept second best.
We are honest and genuine. We keep our promises. What you see is what you get.

Vida Homeloans

We are building a successful, sustainable and responsible specialist mortgage lending business through understanding, respecting and responding to the needs of all our customers and stakeholders.
Visit Vida Homeloans

Vida Homeloans lends to customers who fall outside the criteria of mainstream lenders, with loans being secured on residential properties only, covering both owner-occupiers and buy to let investors. Customers typically have some element of complexity in their personal circumstances or their investment strategies. Examples include:

  • The self-employed and business owners
  • Freelancers and contractors
  • People with multiple jobs
  • British citizens living or working outside the UK
  • Buy to Let investors with a portfolio of properties

 

Products and criteria designed to meet the needs of underserved customers

There are a growing number of market segments where mortgage borrowers do not qualify for mainstream mortgages because there is some complexity in their circumstances which requires deeper understanding and analysis before making a lending decision. Vida Homeloans has focussed on designing products to meet the needs of customers in these market segments

Intermediary distribution

Vida Homeloans distributes its mortgages exclusively through the intermediary market. Vida Homeloans uses a wide range of capabilities to reach intermediaries including, but not limited to a regionally based sales force, a head office-based call centre, proactive social media and marketing campaigns, representation at trade shows / industry events, and thought leadership on a range of industry topics

Service and technology

Vida Homeloans aims to differentiate itself from its competitors by the service it provides to customers through intermediaries, combining modern technological solutions with an intelligent human underwriting process.

Two key customer segments at the heart of Vida’s business

Owner-Occupiers
The customer wants to either purchase or remortgage their primary residence. The specialist requirement is driven by complexity in income, credit history, the property itself, or other complexities, requiring human evaluation and judgement.

Buy to Let Investors
The customer is an investor renting out the property for investment purposes. The specialist requirements are driven by matters such as complexity in the investment strategy.

Giving something back

Our focus on building a successful, sustainable, and responsible lending specialist extends to supporting communities we serve. We have partnered with Crisis, the charity for homelessness, to raise awareness of homelessness and support their ambitions to end homelessness for good through corporate donations and fundraising. We also continue to support local community around our office in Egham through our connection with MidasPlus, a charity which provides support to individuals and community groups in South Middlesex and North Surrey borders and the surrounding areas (East Berkshire).
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