Virgin Money Mortgages

  • Please see below for details of the full range of Virgin Money mortgages available today.
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You have a 75% loan-to-value
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      2.13% Fixed to 01/03/2026
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £645.32
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.13% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £645.32 x 63
    • Ongoing Monthly Payments:
      £784.73 x 21
    • Total Amount Payable:
      £225,172.05
    • Total Interest Payable:
      £73,327.05
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      2.13% Fixed to 01/03/2026
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £645.32
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.13% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £645.32 x 63
    • Ongoing Monthly Payments:
      £784.73 x 21
    • Total Amount Payable:
      £224,372.05
    • Total Interest Payable:
      £73,327.05
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 3 Year Fixed

    • Initial Rate
      2.18% Fixed to 01/03/2024
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £649.01
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.18% Fixed to 01/03/2024
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £649.01 x 39
    • Ongoing Monthly Payments:
      £798.88 x 45
    • Total Amount Payable:
      £232,296.63
    • Total Interest Payable:
      £80,451.63
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/24: 2.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 3 Year Fixed

    • Initial Rate
      2.18% Fixed to 01/03/2024
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £649.01
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.18% Fixed to 01/03/2024
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £649.01 x 39
    • Ongoing Monthly Payments:
      £798.88 x 45
    • Total Amount Payable:
      £231,496.63
    • Total Interest Payable:
      £80,451.63
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/24: 2.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      2.18% Fixed to 01/03/2023
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £649.01
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.18% Fixed to 01/03/2023
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £649.01 x 27
    • Ongoing Monthly Payments:
      £805.48 x 57
    • Total Amount Payable:
      £235,066.63
    • Total Interest Payable:
      £84,021.63
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/23: 1.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      2.18% Fixed to 01/03/2023
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £649.01
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.18% Fixed to 01/03/2023
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £649.01 x 27
    • Ongoing Monthly Payments:
      £805.48 x 57
    • Total Amount Payable:
      £235,866.63
    • Total Interest Payable:
      £84,021.63
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/23: 1.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      2.53% Fixed to 01/03/2023
    • APRC
      4.00%
    • Product Fee
      £0
    • Monthly Repayment
      £675.19
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.53% Fixed to 01/03/2023
    • Incentives:
      Free valuation fees
      No arrangement fees

    • Initial Monthly Repayment:
      £675.19 x 27
    • Ongoing Monthly Payments:
      £808.06 x 57
    • Total Amount Payable:
      £236,272.03
    • Total Interest Payable:
      £85,422.03
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/23: 1.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      2.53% Fixed to 01/03/2023
    • APRC
      4.00%
    • Product Fee
      £0
    • Monthly Repayment
      £675.19
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.53% Fixed to 01/03/2023
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees

    • Initial Monthly Repayment:
      £675.19 x 27
    • Ongoing Monthly Payments:
      £808.06 x 57
    • Total Amount Payable:
      £235,472.03
    • Total Interest Payable:
      £85,422.03
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/23: 1.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 3 Year Fixed

    • Initial Rate
      2.55% Fixed to 01/03/2024
    • APRC
      3.80%
    • Product Fee
      £0
    • Monthly Repayment
      £676.71
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.55% Fixed to 01/03/2024
    • Incentives:
      Free valuation fees
      No arrangement fees

    • Initial Monthly Repayment:
      £676.71 x 39
    • Ongoing Monthly Payments:
      £802.81 x 45
    • Total Amount Payable:
      £233,390.38
    • Total Interest Payable:
      £82,540.38
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/24: 2.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 3 Year Fixed

    • Initial Rate
      2.55% Fixed to 01/03/2024
    • APRC
      3.80%
    • Product Fee
      £0
    • Monthly Repayment
      £676.71
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.55% Fixed to 01/03/2024
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees

    • Initial Monthly Repayment:
      £676.71 x 39
    • Ongoing Monthly Payments:
      £802.81 x 45
    • Total Amount Payable:
      £232,590.38
    • Total Interest Payable:
      £82,540.38
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/24: 2.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      2.73% Fixed to 01/03/2026
    • APRC
      3.60%
    • Product Fee
      £0
    • Monthly Repayment
      £690.43
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.73% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees
      No arrangement fees

    • Initial Monthly Repayment:
      £690.43 x 63
    • Ongoing Monthly Payments:
      £794.92 x 21
    • Total Amount Payable:
      £229,390.81
    • Total Interest Payable:
      £78,540.81
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      2.73% Fixed to 01/03/2026
    • APRC
      3.60%
    • Product Fee
      £0
    • Monthly Repayment
      £690.43
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.73% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees

    • Initial Monthly Repayment:
      £690.43 x 63
    • Ongoing Monthly Payments:
      £794.92 x 21
    • Total Amount Payable:
      £228,590.81
    • Total Interest Payable:
      £78,540.81
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Click here to see 1 similar product
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      3.44% Fixed to 01/03/2026
    • APRC
      4.00%
    • Product Fee
      £995
    • Monthly Repayment
      £746.12
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.44% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees
      £250 cashback

    • Initial Monthly Repayment:
      £746.12 x 63
    • Ongoing Monthly Payments:
      £806.44 x 21
    • Total Amount Payable:
      £236,324.84
    • Total Interest Payable:
      £84,729.84
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      3.59% Fixed to 01/03/2023
    • APRC
      4.20%
    • Product Fee
      £0
    • Monthly Repayment
      £758.20
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.59% Fixed to 01/03/2023
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback

    • Initial Monthly Repayment:
      £758.20 x 27
    • Ongoing Monthly Payments:
      £815.41 x 57
    • Total Amount Payable:
      £240,239.61
    • Total Interest Payable:
      £89,639.61
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/23: 1.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 5 Year Fixed

    • Initial Rate
      3.79% Fixed to 01/03/2026
    • APRC
      4.10%
    • Product Fee
      £0
    • Monthly Repayment
      £774.47
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.79% Fixed to 01/03/2026
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback

    • Initial Monthly Repayment:
      £774.47 x 63
    • Ongoing Monthly Payments:
      £811.90 x 21
    • Total Amount Payable:
      £238,386.15
    • Total Interest Payable:
      £87,786.15
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/26: 3.5% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 7 Year Fixed

    • Initial Rate
      3.79% Fixed to 01/03/2028
    • APRC
      4.00%
    • Product Fee
      £995
    • Monthly Repayment
      £774.47
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.79% Fixed to 01/03/2028
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £774.47 x 87
    • Ongoing Monthly Payments:
      £792.96 x 213
    • Total Amount Payable:
      £238,124.37
    • Total Interest Payable:
      £86,279.37
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/28: 7/7/5/5/3/2/1% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 7 Year Fixed

    • Initial Rate
      3.89% Fixed to 01/03/2028
    • APRC
      4.10%
    • Product Fee
      £0
    • Monthly Repayment
      £782.67
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.89% Fixed to 01/03/2028
    • Incentives:
      Free valuation fees
      No arrangement fees

    • Initial Monthly Repayment:
      £782.67 x 87
    • Ongoing Monthly Payments:
      £795.07 x 213
    • Total Amount Payable:
      £238,292.20
    • Total Interest Payable:
      £87,442.20
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/28: 7/7/5/5/3/2/1% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 10 Year Fixed

    • Initial Rate
      3.89% Fixed to 01/03/2031
    • APRC
      4.10%
    • Product Fee
      £995
    • Monthly Repayment
      £782.67
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.89% Fixed to 01/03/2031
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £782.67 x 123
    • Ongoing Monthly Payments:
      £793.20 x 177
    • Total Amount Payable:
      £238,509.81
    • Total Interest Payable:
      £86,664.81
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/31: 7/7/7/7/7/5/5/3/2/1% Outstanding Balance
  • Virgin Money's logo'

    Virgin Money 10 Year Fixed

    • Initial Rate
      3.99% Fixed to 01/03/2031
    • APRC
      4.10%
    • Product Fee
      £0
    • Monthly Repayment
      £790.93
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      3.99% Fixed to 01/03/2031
    • Incentives:
      Free valuation fees
      No arrangement fees

    • Initial Monthly Repayment:
      £790.93 x 123
    • Ongoing Monthly Payments:
      £796.21 x 177
    • Total Amount Payable:
      £239,063.56
    • Total Interest Payable:
      £88,213.56
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/3/31: 7/7/7/7/7/5/5/3/2/1% Outstanding Balance

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

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

Virgin Money Mortgages FAQ

Who is Virgin Money?

Does Virgin Money offer mortgages?

What types of mortgages does Virgin Money offer?

What are Virgin Money’s fixed-rate mortgages?

Can I get a buy-to-let mortgage with Virgin Money?

How do I apply for a Virgin Money mortgage?

What information will I need to hand when applying for a Virgin Money mortgage?

Services offered by this provider may change over time. Always check Ts&Cs.