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Mortgage Charter support for our customers

Worrying about your mortgage payments lately? We can now do even more to help.

See what support is available
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

Compare our mortgages

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

Find a mortgage

Greener Mortgages from Virgin Money

Buying an energy efficient new build?

Pick up a lower rate mortgage and save money on your energy bills too. Win, win!

Find out more about our 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 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.

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

It pays to be more green

Bag £250 cashback with our Green Rewards home improvement offer

Learn more

Fancy a chat?

Our mortgage specialists are here to help answer your questions, talk through your needs, then help you apply by arranging an appointment with one of our mortgage and protection advisors.

New customers

Start your application

0345 605 0500

We're here from 9am to 5pm Monday to Friday and 9am to 1pm on 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.

Chat online now

Existing mortgage customers

Phone us on

0345 602 8301

Monday, Tuesday, Thursday, Friday, 8:00am to 6:00pm

Wednesday, 9:30am to 6:00pm

Saturday. 9:00am to 1:00pm

Got a quick question?

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

Chat online now
Call charges and information
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.

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