Mortgages

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.

Major UK Bank

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.

Major

UK Bank

Minimum Deposit

Offset

Products Available

Green

Mortgage Rates

Why Doulton

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.

The Process

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.

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FAQs

Frequently asked questions

Can I get a Virgin Money mortgage through Doulton?

Yes. We hold broker agencies with Virgin Money where available and can access their intermediary product range. Where Virgin Money is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Virgin Money via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Virgin Money cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Virgin Money offer?

Virgin Money's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Virgin Money can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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Explore related pages

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