Virgin Money mortgage rates and review

Virgin Money offers fixed rate mortgages starting as low as 4.53%.

Customer rating
★★★★★
Satisfaction survey
90% of respondents in our 2023 customer satisfaction survey said they would recommend the service to a friend
Virgin Money, which recently absorbed both Clydesdale and Yorkshire Banks under its brand (gaining a high-street presence in the process), is a UK bank providing competitive deals on a range of financial products including mortgages.
£
£
years
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
CASHBACK
Virgin Money 01/02/2029 Fixed
4.53% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,014.83
7.5% APRC
Virgin Money 01/02/2029 Fixed
4.6% fixed until 01/02/2029
9.49% variable
65%
View details
£1,020.90
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.63% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,023.50
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.68% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,027.85
7.6% APRC
Virgin Money 01/02/2029 Fixed
4.68% fixed until 01/02/2029
9.49% variable
75%
View details
£1,027.85
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.77% fixed until 01/02/2029
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£1,035.71
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.78% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,036.58
7.6% APRC
Virgin Money 01/02/2029 Fixed
4.81% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
4.83% fixed until 01/02/2029
9.49% variable
75%
View details
£1,040.96
7.6% APRC
Virgin Money 01/02/2029 Fixed
4.84% fixed until 01/02/2029
9.49% variable
65%
View details
£1,041.84
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.87% fixed until 01/02/2029
9.49% variable
70%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£1,044.47
7.6% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.92% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,048.87
7.6% APRC
Virgin Money 01/02/2026 Fixed
4.94% fixed until 01/02/2026
9.49% variable
60%
View details
£1,050.63
8.6% APRC
Virgin Money 01/02/2029 Fixed
4.95% fixed until 01/02/2029
9.49% variable
75%
View details
N/A
Below min. advance
CASHBACK
Virgin Money 01/02/2029 Fixed
4.95% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,051.51
7.6% APRC
Virgin Money 01/02/2029 Fixed
4.95% fixed until 01/02/2029
9.49% variable
75%
View details
N/A
Below min. advance
Virgin Money 01/02/2029 Fixed
4.96% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
4.97% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,053.28
7.6% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
4.97% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,053.28
8.8% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
4.97% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,053.28
7.6% APRC
Virgin Money 01/02/2029 Fixed
4.97% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
4.97% fixed until 01/02/2029
9.49% variable
65%
View details
£1,053.28
7.6% APRC
Virgin Money 01/02/2026 Fixed
4.99% fixed until 01/02/2026
9.49% variable
70%
View details
£1,055.05
8.6% APRC
Virgin Money 01/02/2029 Fixed
5% fixed until 01/02/2029
9.49% variable
75%
View details
£1,055.93
7.7% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,055.93
7.7% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,055.93
7.7% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.04% fixed until 01/02/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,059.47
7.7% APRC
Virgin Money 01/02/2029 Fixed
5.04% fixed until 01/02/2029
9.49% variable
65%
View details
£1,059.47
7.7% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.07% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,062.13
8.8% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.08% fixed until 01/02/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,063.01
7.7% APRC
Virgin Money 01/02/2029 Fixed
5.08% fixed until 01/02/2029
9.49% variable
75%
View details
£1,063.01
7.7% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.09% fixed until 01/02/2029
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2026 Fixed
5.12% fixed until 01/02/2026
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£1,066.56
8.8% APRC
Virgin Money 01/02/2029 Fixed
5.12% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2026 Fixed
5.15% fixed until 01/02/2026
9.49% variable
70%
View details
£1,069.23
8.7% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.16% fixed until 01/02/2029
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.16% fixed until 01/02/2029
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.17% fixed until 01/02/2029
9.49% variable
65%
View details
£1,071.01
7.7% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.17% fixed until 01/02/2026
9.49% variable
70%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£1,071.01
8.8% APRC
Virgin Money 01/02/2034 Fixed
5.18% fixed until 01/02/2034
9.24% variable
75%
View details
£1,071.90
6.5% APRC
CASHBACK
Virgin Money 01/02/2034 Fixed
5.18% fixed until 01/02/2034
9.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,071.90
6.5% APRC
Virgin Money 01/02/2029 Fixed
5.18% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.22% fixed until 01/02/2029
9.49% variable
65%
View details
£1,075.47
7.7% APRC
Virgin Money 01/02/2029 Fixed
5.24% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.24% fixed until 01/02/2029
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.24% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2027 Fixed
5.27% fixed until 01/02/2027
9.49% variable
65%
View details
£1,079.94
8.3% APRC
Virgin Money 01/02/2029 Fixed
5.27% fixed until 01/02/2029
9.49% variable
75%
View details
£1,079.94
7.7% APRC
CASHBACK
Virgin Money 01/02/2027 Fixed
5.29% fixed until 01/02/2027
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,081.73
8.4% APRC
Virgin Money 01/02/2026 Fixed
5.3% fixed until 01/02/2026
9.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2026 Fixed
5.33% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,085.31
8.7% APRC
CASHBACK
Virgin Money 01/02/2027 Fixed
5.33% fixed until 01/02/2027
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,085.31
8.4% APRC
Virgin Money 01/02/2027 Fixed
5.33% fixed until 01/02/2027
9.49% variable
75%
View details
£1,085.31
8.4% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.34% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.34% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.34% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2026 Fixed
5.34% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,086.21
8.8% APRC
CASHBACK
Virgin Money 01/02/2029 Fixed
5.34% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2026 Fixed
5.37% fixed until 01/02/2026
9.49% variable
65%
View details
£1,088.91
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.38% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,089.80
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.39% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,090.70
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.39% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,090.70
8.8% APRC
Virgin Money 01/02/2026 Fixed
5.4% fixed until 01/02/2026
9.49% variable
75%
View details
N/A
Below min. advance
Virgin Money 01/02/2026 Fixed
5.4% fixed until 01/02/2026
9.49% variable
75%
View details
N/A
Below min. advance
Virgin Money 01/02/2027 Fixed
5.42% fixed until 01/02/2027
9.49% variable
65%
View details
£1,093.40
8.3% APRC
Virgin Money 01/02/2026 Fixed
5.42% fixed until 01/02/2026
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2027 Fixed
5.42% fixed until 01/02/2027
9.49% variable
75%
View details
£1,093.40
8.3% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.43% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,094.30
8.9% APRC
Virgin Money 01/02/2026 Fixed
5.43% fixed until 01/02/2026
9.49% variable
75%
View details
£1,094.30
8.9% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.43% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,094.30
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.43% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,094.30
8.9% APRC
Virgin Money 01/02/2029 Fixed
5.45% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.47% fixed until 01/02/2029
9.49% variable
75%
View details
£1,097.91
7.8% APRC
Virgin Money 01/02/2026 Fixed
5.49% fixed until 01/02/2026
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.49% fixed until 01/02/2029
9.49% variable
80%
View details
£1,099.72
7.8% APRC
Virgin Money 01/02/2029 Fixed
5.49% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.5% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.5% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2029 Fixed
5.5% fixed until 01/02/2029
9.49% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2026 Fixed
5.52% fixed until 01/02/2026
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,102.43
8.8% APRC
CASHBACK
Virgin Money 01/02/2027 Fixed
5.52% fixed until 01/02/2027
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2026 Fixed
5.52% fixed until 01/02/2026
9.49% variable
65%
View details
£1,102.43
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.52% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,102.43
8.8% APRC
Virgin Money 01/02/2026 Fixed
5.52% fixed until 01/02/2026
9.49% variable
75%
View details
£1,102.43
8.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.54% fixed until 01/02/2026
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2029 Fixed
5.55% fixed until 01/02/2029
9.49% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2027 Fixed
5.57% fixed until 01/02/2027
9.49% variable
65%
View details
£1,106.96
8.5% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.59% fixed until 01/02/2026
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/02/2026 Fixed
5.59% fixed until 01/02/2026
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,108.77
8.9% APRC
Virgin Money 01/02/2026 Variable
5.6% variable (Base Rate plus 0.35% for up to 35 Years)
N/A
65%
View details
£1,109.68
5.8% APRC
CASHBACK
Virgin Money 01/02/2026 Fixed
5.62% fixed until 01/02/2026
9.49% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/02/2027 Fixed
5.65% fixed until 01/02/2027
9.49% variable
65%
View details
£1,114.22
8.4% APRC
Virgin Money 01/02/2026 Fixed
5.66% fixed until 01/02/2026
9.49% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2026 Variable
5.67% variable (Base Rate plus 0.42% for up to 35 Years)
N/A
75%
View details
£1,116.04
5.9% APRC
Virgin Money 01/02/2029 Fixed
5.69% fixed until 01/02/2029
9.49% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/02/2027 Fixed
5.7% fixed until 01/02/2027
9.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK