We’ll ask just a few questions on your income and credit commitments, and to help you save time we’ll estimate your day-to-day living costs.
We may then use a soft credit check, to help us understand your situation. By using this service you agree to us and Experian Credit Services using your personal information to check your likelihood to be approved for a Virgin Money Mortgage. But don’t worry, it’s nothing to be scared of, we won’t share it with anyone else and the check won’t impact your ability to borrow in the future.
If you decide to go ahead and apply, we’ll go through your income and spending in more detail. So if you spend more than we originally thought, we may offer to lend you a lower amount. If you spend less, you might be able to borrow a little more.