Best Digital Experience
Competitive mortgage rates with a modern digital experience. Fixed, tracker, and offset mortgage options available.
Virgin Money occupies a middle position between the high street and the specialist lenders, and its criteria are often a little more flexible than the largest banks.
That flexibility is the reason to consider it. Cases that fall marginally outside mainstream criteria — some self-employed profiles, some higher loan-to-income requests — sometimes find a home here.
Who it suits. Borrowers whose circumstances are slightly outside the standard template but not far enough outside to need a true specialist lender.
Worth knowing. Product fees vary considerably across Virgin's range, and a lower rate with a higher fee is not automatically better. On smaller loan sizes the fee often outweighs the rate saving — compare total cost over the deal period, not the headline rate.