Cashback optionsGet money back on your mortgage with our Cashback range.
Terms to suit youFixed rate deals for 2, 3, 5, 7, 10 and even 15 years.
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.
Our flexibility options
And just so you know, we’ll always check that our mortgages are right for you before we make you an offer.
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
Buying a home can be stressful, so we've tried to make things a little bit easier with our useful guides.Moving home 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.Find a deal
Fancy a chat?
Our mortgage specialists are here to answer your questions, talk through your needs and help you apply.
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.Arrange a callback
Got a quick question?
Let's chat online. Great for quick questions about our mortgages and how to apply.Chat online now
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.Chat online now
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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
- Last 2 years’ net profit/director’s salary.
- A completed Self-Employed Supplementary Form Link opens in a new window.
- 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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Virgin Group discounts
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