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Why choose a Virgin Money mortgage?

Own your home, and own your mortgage. With Virgin Money our flexible deals put you in control.

  • Your own personal adviser

    Choose the right mortgage for you with a dedicated expert.
  • Mortgages up to 95% LTV*

    Own your first home with just a 5% deposit. Apply to us directly or get a little extra help with our Shared Ownership options available from a mortgage broker.
  • We really know our stuff

    9 in 10 customers** think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.
  • 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.

*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.

Don’t risk losing your home – 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.

Check now

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

Find a first time buyer mortgage

View our mortgages and find out how much your monthly payment could be.

Find your first mortgage

Help and support for first time buyers

Everything from tips on how to save up for your deposit to finding your first home.

Find out more

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.

Discover the app

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

Phone us on

0345 605 0500

We're here from 9am to 5pm Monday to Friday and 9am to 1pm on Saturday.

Call charges and information
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.

Let us call you

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

Arrange a callback

Got a quick question?

Chat online

Great for quick questions about our mortgages and how to apply

Chat online now

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.
  • 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.

View all questions and answers

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