Virgin Money Mortgages
Competitive mortgage rates from one of the UK's leading banks. First-time buyer products, green mortgages, offset options, and fee-free deals.
Competitive rates, innovative products
Virgin Money has established itself as one of the UK's most competitive mortgage lenders, combining the financial strength of a major bank with a willingness to innovate on product design. Their mortgage range consistently features some of the lowest rates in the market across multiple product categories.
Through Doulton Bridging Finance, you can access Virgin Money's complete product range with expert advice on selecting the right deal. We help you navigate the choice between fee-paying and fee-free products, fixed and tracker rates, and standard versus offset mortgages to find the lowest true cost option.
Virgin Money mortgage expertise
Consistently Competitive Rates
Virgin Money regularly features among the most competitive lenders across the market, with aggressive pricing on fixed-rate products spanning two, three, five, and ten-year terms.
First-Time Buyer Focus
Dedicated products and support for first-time buyers, with options starting from 5% deposit and competitive rates designed to make that first step onto the property ladder achievable.
Large Loan Products
Competitive lending at higher property values, with products available for borrowing above standard limits and underwriting that accommodates higher earners and complex income.
Green Mortgage Options
Preferential rates for energy-efficient properties, rewarding borrowers whose homes meet higher EPC standards with lower interest rates and reduced monthly payments.
Offset Mortgage Products
Offset your savings against your mortgage balance to reduce interest payments while retaining access to your funds, ideal for borrowers with significant cash reserves.
Fee-Free Options
A range of fee-free mortgage products that eliminate upfront arrangement charges, reducing the total cost of your mortgage when factoring in both rate and fees.
How it works
Needs Assessment
We review your property purchase or remortgage plans to determine whether Virgin Money's competitive product range offers the best value for your situation.
Product Comparison
We compare Virgin Money's full range against the wider market, including fee-free versus fee-paying products, to identify your lowest true cost option.
Application Support
We prepare and submit your Virgin Money application, ensuring documentation meets their requirements for efficient processing through their underwriting team.
Completion
We manage your application through to completion, coordinating with Virgin Money and your solicitor for a smooth and timely conclusion.
Explore Virgin Money mortgage deals
Access competitive rates from one of the UK's leading mortgage lenders. Get expert advice on the best Virgin Money deal for you.