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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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In this article
In 2024, Virgin Money was bought by Nationwide Building Society, but the brand is expected to remain until at least 2030.
Here, you can find out what real Virgin Money mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Virgin Money mortgage rates right now.
This article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Virgin Money mortgage review
Real Virgin Money customer views
We've asked 80 Virgin Money mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Virgin Money's mortgages to work out if it's a lender that offers competitive deals.
Virgin Money scored the joint third-lowest customer score in our latest survey. The lender received two stars for online access and transparency of fees. In our interest rate analysis, it was the joint 12th (out of 69) cheapest lender.
69%
out of 21 mortgage lenders ranked on customer score (joint-18th)
To see how Virgin Money compares to other mortgage providers, read our guide on the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Virgin Money was competitive overall, particularly on first-time buyer and home mover deals'
Here's how Virgin Money did in our analysis:
Find out more:Β check which lenders came ahead of Virgin Money in our cheapest lender interest rate analysisΒ
You can see the two-year fixed-rate mortgages Virgin Money is currently offering to first-time buyers with an 80%, 90% or 95% LTV using the table.Β
To see how Virgin Money compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Virgin Money | 69% | 5.24% | Β£999 | 6.74% |
| 80% fee free | Virgin Money | 69% | 5.43% | Β£0 | 6.74% |
| 90% | Virgin Money | 69% | 5.36% | Β£999 | 6.74% |
| 90% fee free | Virgin Money | 69% | 5.54% | Β£0 | 6.74% |
| 95% | Virgin Money | 69% | 5.78% | Β£0 | 6.74% |
| 95% fee free | Virgin Money | 69% | 5.78% | Β£0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 80.
You can see the two-year fixed-rateΒ mortgages Virgin Money is currently offering to home movers with a 60%, 75% or 85% LTV using our table.Β
To see how Virgin Money compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Virgin Money | 69% | 5.04% | Β£999 | 6.74% |
| 60% fee free | Virgin Money | 69% | 5.29% | Β£0 | 6.74% |
| 75% | Virgin Money | 69% | 5.13% | Β£999 | 6.74% |
| 75% fee free | Virgin Money | 69% | 5.34% | Β£0 | 6.74% |
| 85% | Virgin Money | 69% | 5.24% | Β£999 | 6.74% |
| 85% fee free | Virgin Money | 69% | 5.43% | Β£0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 80.
You can see the two-year fixed-rateΒ mortgages Virgin Money is currently offering to remortgagers with a 60%, 75% or 85% LTV using the table.Β
To see how Virgin Money compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Virgin Money | 69% | 5.09% | Β£999 | 6.74% |
| 60% fee free | Virgin Money | 69% | 5.41% | Β£0 | 6.74% |
| 75% | Virgin Money | 69% | 5.21% | Β£999 | 6.74% |
| 75% fee free | Virgin Money | 69% | 5.48% | Β£0 | 6.74% |
| 85% | Virgin Money | 69% | 5.3% | Β£999 | 6.74% |
| 85% fee free | Virgin Money | 69% | 5.55% | Β£0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 80.
L&C Mortgages can search through 1000s of deals to find your best mortgage rate. Plus, they won't charge you any fees for their advice.
Find your best mortgage rateIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Virgin Money mortgage customers about their experience with the lender.Β
Here's how customers rated Virgin Money for various areas of service:
| CategoryΒ | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well-informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. The sample size for Virgin Money is 80.
During the main part of Covid we had a couple of payment holidays - there were no issues with Virgin, they were understanding and could not have been more helpful.
We don't just produce customer scores and star ratings, but also collect comments from real customers.Β
TheΒ majority of responses about Virgin Money were positive. Many customers said they've had 'no issues' or 'problems' with their Virgin Money mortgage.
Virgin Money's app received praise from some respondents. However, the website was described as 'quite clunky' and 'poor'. As a result, one customer said that 'itβs really hard to obtain an accurate balance without calling them'.
When we checked in September 2026, there were 68 mortgages available from Virgin Money. The vast majority were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Its mortgages have initial periods of two, five or 10 years.
A smaller number of mortgages offered by Virgin Money were tracker deals, with initial terms lasting two years before reverting to the Virgin Money standard variable rate.
Virgin Money doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Currently, Virgin Money doesn't offer green mortgage products.Β
All of Virgin Money's mortgages have a maximum term length of 40 years.
Weβre not influenced by third parties. We work entirely on behalf of you, the consumer β nobody else. See our statement of editorial independence
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