Free legal and valuation feesOur remortgage deals can come with additional benefits, such as free basic valuation and standard legal costs included.
We really know our stuff9 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 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.
*These results are from a Virgin Money customer service survey carried out between November 2021 and January 2022.
**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.
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
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.Find a deal
Fancy a chat?
Our mortgage specialists are here to help answer your questions, talk through your needs, then help you apply by arranging an appointment with one of our mortgage and protection advisors.
Start your application
0345 605 0500
We're here from 9am to 5pm Monday to Friday and 9am to 1pm on 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
0345 602 8301
Monday, Tuesday, Thursday, Friday, 8:00am to 6:00pm
Wednesday, 9:30am to 6:00pm
Saturday. 9:00am to 1:00pm
Got a quick question?
Let's chat online. Great for quick questions about your existing mortgage.Chat online now
|Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
|Maximum of 7p per minute, plus your phone company's access charge.
|Maximum of 13p per minute, plus your phone company's access charge.
|Free from UK landlines and personal mobile phones.
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
- Details of any existing Life Insurance policies and have these documents to hand
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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