Buy to let | Mortgages | Virgin Money UK

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.
Our flexibility options.

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.

Don’t risk losing your property – keep up those mortgage repayments

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.

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How 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 calculator

Our 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.

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Portfolio landlords

We support mortgage applications from landlords with four or more mortgages buy-to-let properties.

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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.

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Fancy 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 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.

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Existing mortgage customers

Contact details for existing customers

Phone us on

0330 127 4474

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

Got a quick question?

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

Chat online now

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

What do I need to have to hand when I call you for a mortgage interview?

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.
  - A completed Self-Employed Supplementary FormLink opens in a new window where the most recent accounts have a year-end date of 31.12.2020 or earlier. Where the latest accounts are from 2021 or later we do not need a completed Self-employed Supplementary Form.
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

What happens once I apply?

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.

When do I make my first mortgage payment?

Your first mortgage payment will be due on the 7th of the month following completion.

View all questions and answers

Tools and information

Mortgage calculators and tools

Mystified by mortgages? Our helpful calculators and tools can help you.

Find out more

Bank of England base rate changes

Information about changes to the base rate and how it may affect you.

Find out more

Tariff of mortgage charges

This same document is being used across the industry to help customers compare mortgages.

Find out more

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