Compare our mortgages
View our mortgages and find out how much your monthly payment could beFind 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 stuff9 in 10 customers** think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.
Your own personal Mortgage and Protection AdviserFind your next mortgage with a dedicated expert.
Flexibility as standardYou 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.
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.
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
|Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
|Maximum of 7p per minute, plus your phone company's access charge.
|Maximum of 13p per minute, plus your phone company's access charge.
|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.
Explore Brighter Money
Should you buy a home with your best friend?
What are the things you should consider before buying a home with your best friend? Viral TikTok stars Bricks and Disorder reveal everything you need to know before dotting the i’s and crossing the t’s
Eight things I wish I’d known before buying my first home
Journalist Kate Bussmann gives her insider take on how to come out the other side unscathed (and with a house that you love!)
‘I transformed my room for under £99 and couldn’t believe the difference’
It only takes a few items to totally transform a room, and it can be done for under £99. Here’s how six people did just that - you won’t believe it’s the same room!
Best Mortgage Provider 2022
Mortgage Finance Gazette
Best buy-to-let lender 2021
Best buy-to-let mortgage provider 2019 - 2023