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Award winning
buy-to-let mortgages

Speak to one of our dedicated mortgage experts now.

0333 331 4819

We're here:
8am – 8pm, Monday to Friday,
9am – 3pm, Saturday,
10am – 3pm, Sunday.
Call charges

Business Moneyfacts Award 2016 - Best Buy-to-Let Mortgage Provider.

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

Find a mortgage

View our mortgages and find out how much your monthly payment could be.

Find a mortgage

Why choose one of our mortgages?

  • We're award-winning
    Voted best Buy To Let provider 2016
  • Great customer discounts
    Offers from the Virgin Group, including Virgin Holidays and Virgin Wines.
  • Flexibility as standard
    Overpayments, take your mortgage with you if you move and more. Our flexibility options.

Our buy-to-let and consumer buy-to-let mortgage criteria

  • The maximum loan to value for a buy-to-let mortgage with Virgin Money is 75%.
  • Your minimum personal income (excluding income received from buy-to-let properties) needs to be £25,000 per annum. If your application is in joint names, the combined minimum income will also be £25,000.
  • The rental income must cover 145% of the mortgage interest and this will be calculated in one of the following ways:
    • All products, with the exception of five year fixed rate, will be calculated on a notional rate of 5.50%.
    • Five year fixed rate products, will be calculated at the higher of either the Buy-to-Let Variable Rate (currently 4.74%) or the Product Rate.
  • You or a joint applicant must have been an owner-occupier of a property for 6 months or more.

Existing customers

Already have a mortgage with us?

Find out how to view and choose a new deal – you may even be able to do so online in just a few minutes.

5-10 minutes to find your new deal

Like to talk to us?

Speak to one of our dedicated mortgage experts now.

0800 028 5277

We're here:
8am – 8pm, Monday to Friday,
9am – 3pm, Saturday,
10am – 3pm, Sunday.

Arrange a call back

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NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be recorded for training and quality purposes.

Help and guides

We understand that there's a lot to consider when becoming a landlord, so here's some information to help you make the right decisions:

Costs to consider

Choosing a property

Your responsibilities

Choosing tenants

Consumer buy-to-let explained

Need more help?

Ask us#160; a question link opens in a new window or visit our buy-to-let help and guides