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Why choose a Virgin Money mortgage?

Own your property and own your mortgage. Our deals flex when you need them to, putting you in control.

  • 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.

*Virgin Money customer service survey carried out between January 2021 and March 2021.

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.

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Our lending criteria

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, 9am to 2pm Saturday.

Let us call you

Book a free callback for a time that suits you best.

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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

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.

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Call charges and information
NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree 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:

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.

View all questions and answers

Tools and information

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