Virgin Money Mortgages
High-street (now part of Nationwide)Acquired by Nationwide in 2024. Distinct brand and product range, including stretched income multiples for higher earners.
Where Virgin Money is strong
- Stretched income multiples (up to 5.5×) for higher earners
- 95% LTV options
- Some New Build flexibility
- Competitive 2-year fixed range
Niche
Higher earners needing income stretch, mainstream FTBs.
Quirks worth knowing
Post-Nationwide acquisition, criteria may shift — check current rules with a broker.
Documents
Standard pack.
Who Virgin Money suits
Higher earners, FTBs, mainstream residential.
How to access Virgin Money's rates
For current Virgin Money mortgage rates and an indication of whether they\'d lend to you, a mortgage adviser can pull live quotes during a 15-minute call. The headline rate you see advertised is rarely the one offered — your LTV, term, credit profile and property type all change pricing.
Most whole-of-market brokers have access to Virgin Money via the broker channel. Request a callback for a real adviser quote.
Compare with other UK lenders
Frequently asked questions
Can I apply to Virgin Money via a mortgage broker? +
Is Virgin Money good for first-time buyers? +
What documents does Virgin Money need? +
Will Virgin Money accept my income type? +
How long does a Virgin Money mortgage take? +
Helpful next pages
Rate comparison with context
Compare Mortgage Rates is built around comparing mortgage costs beyond the headline rate. Product fees, term, loan-to-value and lender criteria can all change what is appropriate for a borrower.