Vida has its existing cut landlord and residential rates by up to 105 basis points. 

Highlights of the specialist lender’s residential reductions, which fall by as much as 105bps, include: 

• Vida 36 standard two-year fixes at 6.49% and five-year fixes at 6.14%, both at 75% loan to value 
• Vida 36 fee saver five-year fixes at 6.34% at 75% LTV 

Highlights of its buy-to-let, standard and limited-edition rates, which fall by as much as 80bps, include: 

• Vida 36 standard five-year fixes at 5.04% at 75% LTV 
• Standard limited-edition two-year fixes at 6.00% at 65% LTV, or 6.20% at 75% LTV. Available at the same price point for individual units, houses in multiple occupation, or multi-unit blocks

The business adds that it has made reductions across its range of retention products of up to 75bps. 

Vida head of intermediary relationships Helen Cawthra says: “As we start the year with growing confidence in the market and swap rates improving, we’re pleased to share the latest reductions to our fixed-rate product range, helping both new and existing customers.”