Mortgage lender reviews: Virgin Money mortgage review


Customer score

17th out of 25 mortgage lenders


Virgin Money mortgage review

Having rapidly expanded in 2012 with the purchase of Northern Rock, Virgin Money's mortgage customers currently give it a score of 60%, particularly liking the flexibility it offers around payments.

Virgin Money mortgage highlights

  • Part of the Help to Buy mortgage guarantee scheme
  • Some cheap fixed and tracker deals
  • Options to overpay

For impartial, personal advice on the best mortgage for you, call Which? Mortgage Advisers on 0808 252 7987.

Virgin Money mortgage satisfaction scorecard
Customer service 
Application process 
Value for money 
Keeping you well informed 
Clarity of statements 
Transparency of charges 
Query and complaint handling 
Ability to over and underpay mortgage 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category. Where no stars are showing, it means we could not get a large enough sample size to rate this aspect of the service.

What Virgin Money's mortgage customers say about it

'They keep it simple and explain in a way I can understand.'

'Rude customer service staff.'


'They are OK.'

'Good interest rate and seem a competent challenger bank.'

'I am not sure whether I could get a better deal but so far I have been quite happy with Virgin and feel their rates are comparable with other providers.'

'I haven't had any cause to question anything with them so as a result it largely runs in the background.'

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

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.