Mortgages made easy
Here's to happier home buying with our experts by your side
Talk to our mortgage team
Mortgage Charter support for our customers
Worrying about your mortgage payments lately? We can now do even more to help.
See what support is availableLooking for a new mortgage?
Choose the right mortgage for you
First time buyer Remortgage to us Moving home Buy-to-letManage your existing mortgage
Everything you need to manage your Virgin Money mortgage
Compare our mortgages
View our mortgages and find out how much your monthly payment could be
Find a mortgage
Greener Mortgages from Virgin Money
A brighter deal for you and the planet
If you’re buying an energy efficient new build home, you’ll get a lower rate and help the environment with our new Greener Mortgage range.
Find out more about our greener mortgage range
Why choose a Virgin Money mortgage?
Mortgages available up to 95% LTV*
Deals available with just a 5% deposit.We really know our stuff
9 in 10 customers** think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.Your own personal Mortgage and Protection Adviser
Find your next mortgage with a dedicated expert.Flexibility as standard
You can make overpayments of up to 10% per year without an Early Repayment Charge and take payment holidays subject to our agreement.
Remember, we’ll always check that our mortgages are right for you before we make you an offer.
*On mortgages available up to 95% LTV, you should consider that if house prices were to fall, you could owe more than the market value of your home, known as negative equity. This could restrict your ability to move home, remortgage to another lender or the products available.
**These results are from a Virgin Money customer service survey carried out between November 2021 and January 2022.
Happier home buying for first timers
Our app will help you every step of the way.
Build your personal plan
Get help to create a personal plan that fits your circumstances and ambitions.
Meet your own digital coach
It expertly guides you through each step of the home buying maze.
Keep on track
It shows you exactly where you are on your journey and what you need to do next with a helpful checklist.
Knowledge is power
Dive into the detailed guides on everything you need to know.
Check you’re mortgage ready
Stepping up your search? Take five minutes to see how much we could lend you, without affecting your credit score.
Check now
Fancy a chat?
For a helping hand or some friendly mortgage advice, here's how to get in touch
New customers
Start your application
0345 605 0500
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
Existing mortgage customers
Call us on
0345 602 8301
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
Call charges and information
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Tools and information
Mortgage calculators and tools
Mystified by mortgages? Our helpful calculators and tools can help you.
Bank of England base rate changes
Information about changes to the base rate and how it may affect you.
Questions and answers
View our most frequently asked questions about mortgages.
Tariff of mortgage charges
This same document is being used across the industry to help customers compare mortgages.
General information on residential mortgages
Some general information that you may find helpful when applying for a residential mortgage with us.
General information on buy-to-let mortgages
Some general information that you may find helpful when applying for a buy-to-let mortgage with us.
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Best Mortgage Provider 2022
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