AWARD WINNING
BUY-TO-LET MORTGAGES

From securing your first tenant to growing your portfolio, we’ve got you covered.

Moneywise 2018 - Most Trusted Buy-to-Let Mortgage Provider. Your Mortgage Awards 2016 - 2017 - Best Remortgage Lender - Virgin Money. Business Moneyfacts Award 2016 - Best Buy-to-Let Mortgage Provider.
 

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

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

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Check your eligibility

Find out in five minutes how much we can lend you, without affecting your credit file or rating.

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How much you can borrow

Use our quick calculator to work out your budget, and how much we think you could borrow.

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Key lending criteria

  • Minimum rental calculation of 145% interest coverage ratio (ICR) stressed at a rate of 5.50% (5 year fixed rate products @ 5.24%).
  • We will accept your personal income to cover rental shortfalls between 100% and 145% ICR.
  • If you’re remortgaging and don't require additional borrowing, this will be calculated at 125% ICR, stressed at a rate of 5.50% across all products.
  • Minimum combined income of £25,000 per year required. Where personal income is used for affordability, a minimum combined income of £50,000 is required (excluding rental income received from buy-to-let properties).
  • Usually, you must own your own home for 6 months before applying.

Portfolio landlords

We're now accepting mortgage applications from portfolio landlords.

  • We define a portfolio landlord as someone with four or more mortgaged buy-to-let properties.
  • For joint applications, we'll take into account the total individual and joint-mortgaged properties that you own, either in your personal name, or in the name of a limited company or other legal entity.
  • When assessing your application, we will take into consideration your experience in the buy-to-let market, your full property portfolio and any outstanding mortgages along with their assets and liabilities.

Find out more about portfolio buy-to-let 

Why choose one of our mortgages?

  • Keeping upfront costs down
    Our remortgage deals come with free basic valuations and either free standard legal work or cashback. We also offer cashback on selected purchase products.
  • Flexibility as standard
    You can make overpayments up to 10% a year and take payment holidays, subject to our agreement.
  • More reasons to love us
    Enjoy fantastic Virgin Group offers and access to our exclusive customer Lounges.

Like to talk to us?

Give one of our dedicated mortgage experts a call and they will be happy to help you choose the right mortgage for your needs.

New customers

0800 028 5277

We're here from 8am to 8pm Monday to Friday, 9am to 3pm Saturdays and 10am to 3pm Sundays.

Existing customers

0345 602 8301

We're here from 8am to 8pm Monday to Friday and 9am to 1pm Saturdays.

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

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Calls may be recorded for training and quality purposes.

Already have a mortgage with us?

Is your current Virgin Money mortgage deal coming to an end or are you already on our Buy-to-let Variable Rate? See if our mortgage rates could save you money.

Find out more about switching your deal 

Need more help?

We understand that there's a lot to consider when becoming a landlord, so here's some further information which may be helpful when applying for a Virgin Money mortgage.

Visit our buy-to-let help and guides 

General information for buy-to-let mortgages