Mortgages made easy
Here's to happier home buying with our experts by your side
Talk to our mortgage team
Choose the right mortgage for you
Existing Customers
Everything you need to manage your Virgin Money Mortgage.
First time buyer
Buying your first home is an exciting time, we have a range of mortgages to help.
Remortgaging
If you're looking for a new mortgage deal, we have a range of options.
Moving home
If you're planning to move home, we can help you every step of the way.
Buy-to-let
View our range of award-winning buy-to-let mortgages.
Compare our mortgages
View our mortgages and find out how much your monthly payment could be.
Find a mortgageWith us already?
Everything you need to manage your Virgin Money mortgage.
Existing mortgage customersGreener 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 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.
*Virgin Money customer service survey carried out between January 2021 and March 2021.
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 nowFancy 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 callbackGot a quick question?
Let's chat online. Great for quick questions about our mortgages and how to apply.
Chat online nowExisting mortgage 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| 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.
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Alina from our Red Team speaks to property expert Lucian Cook about the current stamp duty cuts, and who can benefit.
Award-winning products
Your Mortgage
Best buy-to-let mortgage lender 2019 - 2020
Mortgage Finance Gazette
Best buy-to-let lender 2021
Business Moneyfacts
Best buy-to-let mortgage provider 2019 - 2021
Virgin Group discounts
When you join the Virgin Money family, you get extra special deals across the wider Virgin Group. So you can save on everyday essentials, as well as bigger things - like days out, dream holidays and amazing adventures. Terms apply.
Discover our discounts