Virgin Money Mortgages

Virgin Money is fully supportive of the government’s new Homes for Ukraine scheme.

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Don’t risk losing your home – keep up those mortgage repayments

Looking for a new mortgage?

Choose the right mortgage for you

First time buyer Remortgage to us Moving home Buy-to-let

Manage your existing mortgage

Everything you need to manage your Virgin Money mortgage

Switch to a new deal

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Move home with your mortgage

Manage your mortgage

Compare our mortgages

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

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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.

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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 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.
Our flexibility options.

Remember, we’ll always check that our mortgages are right for you before we make you an offer.

*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.

Discover the app

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?

Our mortgage specialists are here to answer your questions, talk through your needs and help you apply.

New customers

Start your application

0333 331 4496

We're here from 8am to 6pm Monday to Friday, 9am to 2pm Saturday.

Let us call you

Book a free callback for a time that suits you best.

Arrange a callback

Got a quick question?

Let's chat online. Great for quick questions about our mortgages and how to apply.

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Existing mortgage customers

Contact details for existing customers

Phone us on

0330 127 4474

We're here from 8am to 6pm Monday to Friday, 9am to 1pm Saturday.

Got a quick question?

Let's chat online. Great for quick questions about your existing mortgage.

Chat online now

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.