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Virgin Money UK is a bank and financial services company which is part of the Virgin Group. It acquired Northern Rock Bank in 2012. Virgin Money UK offers mortgage products aimed at homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
TSB logo
Fixed May-2023 From TSB
Initial rate 1.24% May-2023
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
TSB logo
Fixed May-2023 From TSB
Initial rate 1.24% May-2023
Maximum LTV 60%
Overall cost of comparison 2.5% APRC
See deal
Halifax logo
Fixed Feb-2023 From Halifax
Initial rate 1.28% Feb-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Compare Virgin Money mortgages

Thinking about taking out a mortgage with Virgin Money UK? Take a look below at the key types of mortgages they offer to see if there is a suitable option for your needs.

First Time Buyer mortgages

Getting together a sufficient deposit to buy a first home is a challenge for a lot of people. First time buyer mortgages are designed to make this easier by offering features that can make buying a first home more affordable. This could include being able to borrow a greater percentage of the purchase price compared to a standard mortgage, discounted mortgage rates and letting family help out.

Buy to Let mortgages

You can borrow up to 75% of the value of a property you wish to rent out with Virgin Money UK. To qualify, you must be earing at least £25,000 per year and have owned your own home for at least 6 months. The monthly rental value of your buy to let property must cover at least 145% of the interest on your mortgage.

Remortgaging with Virgin Money UK

Switching your mortgage to Virgin Money UK could allow you to cut your monthly repayments, borrow more, give you longer to repay or allow you to pay off your mortgage sooner. Whatever your reasons for remortgaging, it is worth discussing this with a mortgage advisor to establish your best options.

Personal secured loan

If you are an existing Virgin Money UK mortgage customer and need to borrow £3,000 or more, you could opt for a personal secured loan. This allows you to secure the loan against your home without the need to make changes to your existing mortgage. This can be an attractive option if you already have a good deal on your mortgage which you don’t wish to give up in order to borrow more.

Loan to value ratio

When working out if you can afford a property purchase using a particular mortgage product, you need to look at the loan to value (LTV) ratio. This tells you what percentage of a property’s market value you can borrow with the mortgage in question.

So, if you need £70,000 to move forward with buying a property worth £100,000, you will need to find a mortgage offering at least 70% LTV. In general, you will tend to be offered better interest rates on mortgages with a lower LTV, although many factors can affect this.

Find the best deals on mortgage rates

Our free mortgage calculator allows you to simply and quickly compare mortgage deals from all the leading lenders. That way you can find a deal that offers great value while matching your unique borrowing needs.

To try out the mortgage calculator, head to the top of the page and share some basic information, including how much you need to borrow and how long for. The calculator will then show you appropriate mortgage products so you can pick a deal which suits you.

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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