Vida has introduced a series of changes across its specialist residential range, aimed at giving brokers greater scope to place complex remortgage and credit-impaired cases.

The lender has increased the maximum LTV for debt consolidation on its Vida 36 tier from 85% to 90%, strengthening its remortgage proposition at a time when affordability pressures remain acute for many households.

The change is intended to widen options for borrowers seeking to restructure unsecured debt while maintaining control of monthly outgoings.

Alongside this, Vida has continued to develop its Pathway range, which is positioned for borrowers with limited deposits or a shorter credit history.

The range now includes products at 90%, 95% and 97% LTV, available on both two-year and five-year fixed terms.

For a limited period, Pathway products will be offered without an assessment fee, with many options including up to £1,250 cashback on completion. Fee Saver variants are also available, incorporating no product fee and a free valuation.

In a further adjustment to its criteria, Vida has increased the threshold for disregarding defaults and county court judgments when determining product tiering.

The limit has risen from £250 to £500 across all product tiers, enabling a broader cohort of borrowers with historic adverse credit to access more competitively priced options.

Ross Williams, head of mortgage product management at Vida, said: “These enhancements demonstrate our commitment to being the lender brokers can rely on for their specialist residential cases.

“Whether it’s supporting customers with debt consolidation needs, low deposits, or historic credit events, we’re continuing to widen access and deliver products that provide real-world solutions.

“Our message to brokers is simple: if you’re working on a specialist residential case, Vida is the place to start.”