Switch your Virgin Money mortgage deal

Is your current Virgin Money mortgage deal coming to an end, or has your deal already ended? See if our mortgage rates could save you money.

Why switch your mortgage deal?

  • It's quick and easy.
  • Access to a full range of residential and BTL products.
  • There’s no valuation or legal fees when you renew with us.
  • Our mortgages come with flexibility built in as standard - from overpayments to payment holidays subject to our approval.
  • Continue to enjoy Virgin Money customer benefits Link opens in a new window 

How to switch to a new deal

If you want to pick your own deal and don’t require advice, you can switch online. Alternatively, our mortgage advisors are available to talk if you require mortgage advice.

Can I switch online?

You can only switch your mortgage deal online if:

  • Your current mortgage deal ends within 120 days or you're on our Standard Variable Rate or Buy-to-let Variable Rate.
  • You're not going to make any changes to your loan such as the amount, term or repayment type.
  • You only have one repayment type (capital and interest or interest only) and haven’t taken additional borrowing on your mortgage.
  • You're not going to make an overpayment or take a payment holiday before switching to a new deal.
  • You don't have a Help To Buy Equity or Shared Ownership mortgage.
  • Your income is paid in Pound Sterling and not other currencies such as Euros.

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

Switch your mortgage deal online

By choosing to continue I confirm that:

  • I'm eligible to switch online.
  • My financial circumstances have not changed and I can continue to afford my mortgage payment.


0345 850 2327

If you want mortgage advice or are unable to switch online, you can speak to one of our mortgage advisors.

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

Call charges and information

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.

Calls may be recorded for training and quality purposes.