Your own personal adviserChoose 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 stuff9 in 10 customers** think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.
Flexibility as standardYou 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.
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.
Fancy a chat?
Our mortgage specialists are here to answer your questions, talk through your needs and help you apply.
Start your Application
Phone us on
0333 331 4496
We're here from 9am to 5pm Monday to Friday.Call charges and information
|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.|
Let us call you
Book a free callback for a time that suits you best.Arrange a callback
Got a quick question?
Great for quick questions about our mortgages and how to applyChat 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.
- 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.
- 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
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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