Our range of mortgages are perfect for landlords who own four or more mortgaged rental properties.

Mortgage Finance Gazette Awards 2020 - Best Buy-to-Let Lender. Your Mortgage Awards 2019 - 2020 - Best Buy-to-Let Mortgage Lender - Virgin Money

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

  • Award winning provider
    We’re proud to be a multi-award winning Buy to Let provider. Choose your next deal from us and know that you’re in safe hands.
  • 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.

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Our lending criteria

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.

Please note, our standard buy-to-let lending criteria also applies.

Our standard buy-to-let criteria explained

  • Minimum rental calculation of 145% interest coverage ratio (ICR) stressed at the product rate +2% or a notional rate of 5.50%, whichever is higher. Five year fixed rate products stressed at 4.5%.
  • If you're remortgaging and don't require additional borrowing, this will be calculated at 125% ICR, stressed at a rate of 5.00% across all products.
  • Minimum combined income of £25,000 per year required.
Portfolio buy-to-let lending criteriaPurchaseRemortgage
no additional
Remortgage with
additional borrowing
Maximum of 5 BTL mortgages / £3m lending with Virgin MoneyIncludedIncludedIncluded
Minimum 24 months landlord experience required?IncludedNot includedIncluded
Maximum number of mortgaged BTL properties (across all lenders)10N/A10
Maximum amount of BTL properties in the same postcode area5N/A5
Maximum LTV across the portfolio (aggregate)75%N/A75%
Minimum rental calculation of 135% ICR stressed at 5% across the portfolio (aggregate)IncludedN/AIncluded
Personal income accepted?Not includedNot includedNot included
Business plan, cashflow & property schedule requiredIncludedNot includedIncluded

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New customers

0800 028 5277

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Existing customers

0345 607 6422

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What we will need from you...

In addition to the normal documents you need to submit as part of your mortgage application, i.e. identity and income verification, we also need portfolio landlords to provide us with some supporting information. Our mortgage advisors will explain what we need, when we need it and how to send it to us. You can download copies of these documents here: