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Mortgage update from Virgin Money

Following recent Government guidance, property valuers are now able to carry out physical valuations. We are therefore pleased to reinstate our mortgage product range up to 85% LTV.

We’re continuing to monitor the situation closely and we’re working hard to support as many customers as possible during these difficult times.

Why choose one of our mortgages?

Need help?

Buying a home can be stressful, so we've tried to make things a little bit easier with our useful guides.

Find out more about mortgages when you move home

Already have a mortgage with us?

If your Virgin Money mortgage deal is coming to an end, see if our current mortgage rates could save you money.

Find a deal

Like to talk to us?

Speak to a dedicated mortgage advisor

New customers

Call us to discuss our range of accounts on

0330 311 4788

We're here from 8am - 6pm Monday to Friday, 9am - 2pm Saturday.

Existing customers

Call us to discuss our range of accounts on

0330 127 7980

We're here from 8am - 6pm Monday to Friday, 9am - 1pm Saturday.

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.

Arrange a callback

Not convenient now? Book a free callback at a time to suit you.

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/directors salary
  • UK address history for the last 3 years
  • Details of your monthly expenditure PDF opens in a new window Link opens in a new window (PDF, 80.05KB) (your bank statements will come in handy here)
  • 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.

View more frequently asked questions about mortgages

Need help?

More reasons to choose Virgin Money

Virgin Money Lounges

Enjoy exclusive membership to our Virgin Money Lounges. Help yourself to free tea and coffee, use our Wi-Fi and iPads and take some time for yourself or relax with friends.

We've brought our Lounges to London, Edinburgh, Glasgow, Norwich, Sheffield and Cardiff, with more on the way.

Discover our lounges

When you join the Virgin Money family, you get extra special deals across the wider Virgin Group. So you can save on everyday essentials, as well as bigger things - like days out, dream holidays and amazing adventures. Terms apply.

Discover our discounts