Mortgages made easy
Here's to happier home buying with our experts by your side
Talk to our mortgage team
Mortgage Charter support for our customers
Worrying about your mortgage payments lately? We can now do even more to help.
See what support is availableLooking for a new mortgage?
Choose the right mortgage for you
First time buyer Remortgage to us Moving home Buy-to-letManage 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
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 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.
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 and help the planet with our Green Rewards home improvement offer
Learn moreFancy 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 8am to 6pm 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 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
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| 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.
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!
Have you joined Virgin Red yet?
Join the rewards club that revolves around you. Virgin Red terms apply. Link opens in a new window UK only. 18+.
Discover Virgin Red
Virgin Money Stores
A new generation of creative and community-focussed spaces on the high street, designed to broaden people’s horizons and brighten their lives.
Discover our stores
Award-winning products
Your Money
Best Mortgage Provider 2022
Mortgage Finance Gazette
Best buy-to-let lender 2021
Business Moneyfacts
Best buy-to-let mortgage provider 2019 - 2023