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Why choose a Virgin Money mortgage?

Own your home and own your mortgage. Our deals flex when you need them to, putting you in control.

  • Free legal and valuation fees

    Our remortgage deals come with free basic valuation and standard legal costs included.
  • We really know our stuff

    9 in 10 customers* think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.
  • Mortgages up to 95% LTV

    Deals available with just a 5% deposit.
  • 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.

*These results are from a Virgin Money customer service survey carried out between July 2021 and September 2021.

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.

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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.

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Find your next mortgage

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

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Why remortgage?

If you're new to remortgaging and you don't know where to start, check out our useful remortgage guides.

Remortgaging 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.

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Fancy a chat?

Our mortgage specialists are here to answer your questions, talk through your needs and help you apply.

New customers

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.

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Got a quick question?

Let's chat online. Great for quick questions about our mortgages and how to apply.

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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.

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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:

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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