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Help and guides for remortgaging

Rest assured that the process of remortgaging isn’t quite as complicated as buying a house. To help you on your way, we have lots of useful remortgage tools and guides.

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Why remortgage?

Remortgaging is moving your mortgage from one lender to another without moving home.

It’s a big financial decision, so start by taking a look at the reasons why most people remortgage:

Types of remortgage deals

At Virgin Money we offer a range of both fixed rate and tracker mortgages.

All of our remortgage products come with a free valuation and free legal costs so that’s one thing you don’t have to worry about. All you need to do is decide which product is best for you:

Fees and costs

There will be a couple of fees to pay when taking out your remortgage. It’s always best to understand them and to try and work out how much they will cost you upfront, so you can then set the payments aside.

Frequently asked questions

What documents will I need when submitting a remortgage application?

Once your ready to apply for your new mortgage, you should get a few simple things to hand to speed up your application:

usually three recent monthly payslips are needed to verify your income
In addition to payslips, your latest P60 may also be used to verify your income
ID to confirm your identity and address may be required. Passports, bank statements and utility bills are good examples.
Mortgage statement
Your last mortgage statement may be needed to help prove that your mortgage payments are being made.

What fees will I have to pay when remortgaging?

If you are remortgaging and not moving home, then our remortgage products come with a free basic valuation and free standard legal costs.

When you take out a mortgage, there may be an application fee to pay to cover the cost of arranging your deal. For a limited time no application fees are payable on new Virgin Money residential mortgages. Full details of any fees will be outlined within your Key Facts Illustration.

You must bear in mind if you are switching lenders, your current lender may charge an exit fee, as well as an early repayment charge if you decide to leave early, and you're likely to incur costs when setting up your new deal.

What remortgages do you offer?

We offer a wide range of fixed, tracker and freedom to fix mortgages. To see what products we currently have available that could suit your needs, simply use our mortgage finder, or give us a call on 0800 0285 277.

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Useful links

Money Advice Service

Martin Lewis Money Saving Expert

Citizens Advice Bureau

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