Award winning buy-to-let mortgages
From securing your first tenant to growing your portfolio, we've got you covered.
Talk to our mortgage team
Free legal and valuation fees
Our buy-to-let remortgage deals come with free basic valuation and standard legal costs included.We really know our stuff
9 in 10 customers* think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.Terms to suit you
Fixed rate deals for 2, 3, 5, 7, 10 and even 15 years.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.
And just so you know, 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.
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 nowHow much can you borrow?
Starting out on your journey? Use our quick calculator to get an idea of how much you could borrow from us.
Use our easy calculatorOur lending criteria
- The rental income received on a buy-to-let property is a key factor when we calculate our maximum lending amount. Sometimes, we can consider your personal income too if the rent received is lower than we’d usually need. Check out our calculator to find out how much we may be able to lend.
- Usually you must own your home for 6 months before applying. This does not apply to Buy to Let portfolio landlords.
Compare our mortgages
View our mortgages and find out how much your monthly payment could be.
Find a mortgage
Portfolio landlords
We support mortgage applications from landlords with four or more mortgages buy-to-let properties.
Find out more
Need more help?
We understand that there's a lot to consider when becoming a landloard, so check out our useful buy-to-let guides.
Buy-to-let guides
Already got a mortgage with us?
If your current mortgage deal is coming to an end, see if our new mortgage rates could save you money.
Find a deal
Fancy a chat?
For a helping hand or some friendly mortgage advice, here's how to get in touch
New customers
Start your application
0345 605 0500
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
Existing mortgage customers
Call us on
0345 602 8301
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
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. |
Frequently asked questions
To make things as straightforward as possible, it would be great if you have the following to hand for all applicants:
- Income details
- If employed you will need:
- Gross annual salary, bonus & overtime
- If you are self-employed:
- Last 2 years’ net profit/director’s salary.
- Last 3 months’ business bank statements.
- If employed you will need:
- UK address history for the last 3 years
- Details of your monthly expenditure (PDF, 80.05KB) (your bank statements will come in handy here)
Monthly Expenditure PDF opens in a new window Link opens in a new window - Details of any credit commitments (including payments, balances and interest rates)
- Pension payments from your payslip
- Details of any existing Life Insurance policies and have these documents to hand
After you’ve applied for your mortgage, you just need to sign and return the application form and pay any applicable fees.
Once returned to us, your application will be assessed by an underwriter, and we'll keep you updated throughout the process.
Your first mortgage payment will be due on the 7th of the month following completion.
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.
Tariff of mortgage charges
This same document is being used across the industry to help customers compare mortgages.
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