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Virgin Money

Virgin money offer mortgages to first time buyers, people moving home or remortgaging and those planning to become a buy to let landlord.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 01/04/2019
Initial rate
1.24%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.0%APRC
Monthly cost
£620.54 for 24 months then £870.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,652 includes: Loan amount (£160,000); Interest (£95,152); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.44%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£635.40 for 24 months then £872.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,438 includes: Loan amount (£160,000); Interest (£95,938); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 01/04/2019
Initial rate
1.44%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£635.40 for 24 months then £872.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,438 includes: Loan amount (£160,000); Interest (£95,938); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.44%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£635.40 for 24 months then £872.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,438 includes: Loan amount (£160,000); Interest (£95,938); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 01/04/2019
Initial rate
1.44%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£635.40 for 24 months then £872.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,438 includes: Loan amount (£160,000); Interest (£95,938); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.49%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£639.15 for 24 months then £872.44 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,634 includes: Loan amount (£160,000); Interest (£96,134); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.49%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£639.15 for 24 months then £872.44 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,634 includes: Loan amount (£160,000); Interest (£96,134); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.49%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£639.15 for 24 months then £872.44 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 70.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,634 includes: Loan amount (£160,000); Interest (£96,134); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.49%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£639.15 for 24 months then £872.44 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,634 includes: Loan amount (£160,000); Interest (£96,134); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 01/04/2019
Initial rate
1.5%then 4.54% (variable)
Fees
£1,500fees
Overall cost
4.1%APRC
Monthly cost
£639.90 for 24 months then £872.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/04/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,673 includes: Loan amount (£160,000); Interest (£96,173); Application fee (£995); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Virgin Money

Virgin Money is owned by the Virgin Group. It is a financial services company founded by celebrity billionaire Richard Branson in March 1995. It was originally known as Virgin Direct. In the 2000s they expanded operations worldwide.

In the late 2000s Virgin Money became a retail bank and bought Northern Rock in 2012 and rebranded the business as Virgin Money.
After merging with Northern Rock, Virgin Money's credit, mortgage and insurance products were expanded, Virgin renamed Northern Rock's 75 branches as stores. 

Virgin Money currently offers mortgages, credit cards, insurance, pensions, savings products and current accounts. 

Virgin has ‘lounges’ in Norwich, Edinburgh, Manchester, London, and Glasgow and plan to open more. 

Richard Branson has hinted that he wants to look into opening branches at trains stations as Virgin Group also manages a number of railway stations under Virgin Trains. 

Virgin Money’s retail banking is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Money subscribes to the Lending Code, and is a member of the Financial Ombudsman Service, the Financial Services Compensation Scheme and UK Payments Administration.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.