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Virgin Money mortgage rates and review

Virgin Money offers fixed rate mortgages starting as low as 4.04%.

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
Virgin Money 01/08/2028 Fixed
4.04% fixed until 01/08/2028
8.24% variable
65%
View details
£972.94
6.4% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.09% fixed until 01/08/2028
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£977.17
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.1% fixed until 01/08/2028
8.24% variable
65%
View details
£978.02
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.1% fixed until 01/08/2028
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£978.02
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.12% fixed until 01/08/2028
8.24% variable
65%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£979.72
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.12% fixed until 01/08/2028
8.24% variable
75%
View details
£979.72
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.15% fixed until 01/08/2028
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£982.26
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.16% fixed until 01/08/2028
8.24% variable
75%
View details
£983.11
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.16% fixed until 01/08/2028
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£983.11
6.5% APRC
CASHBACK
Virgin Money 01/08/2033 Fixed
4.19% fixed until 01/08/2033
7.99% variable
75%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
£985.66
5.4% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.19% fixed until 01/08/2028
8.24% variable
75%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£985.66
6.5% APRC
Virgin Money 01/08/2033 Fixed
4.19% fixed until 01/08/2033
7.99% variable
75%
View details
£985.66
5.4% APRC
Virgin Money 01/08/2028 Fixed
4.24% fixed until 01/08/2028
8.24% variable
65%
View details
£989.92
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.24% fixed until 01/08/2028
8.24% variable
65%
View details
£989.92
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.25% fixed until 01/08/2028
8.24% variable
75%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
£990.78
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.25% fixed until 01/08/2028
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
4.29% fixed until 01/08/2028
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£994.19
6.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.29% fixed until 01/08/2028
8.24% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
4.3% fixed until 01/08/2028
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
4.3% fixed until 01/08/2028
8.24% 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 01/08/2028 Fixed
4.3% fixed until 01/08/2028
8.24% 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 01/08/2028 Fixed
4.3% fixed until 01/08/2028
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£995.05
6.5% APRC
CASHBACK
Virgin Money 01/08/2030 Fixed
4.34% fixed until 01/08/2030
7.99% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£998.47
6% APRC
Virgin Money 01/08/2025 Fixed
4.36% fixed until 01/08/2025
8.24% variable
65%
View details
£1,000.19
7.6% APRC
CASHBACK
Virgin Money 01/08/2026 Fixed
4.36% fixed until 01/08/2026
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,000.19
7.1% APRC
Virgin Money 01/08/2026 Fixed
4.36% fixed until 01/08/2026
8.24% variable
65%
View details
£1,000.19
7.1% APRC
Virgin Money 01/08/2028 Fixed
4.37% fixed until 01/08/2028
8.24% variable
75%
View details
£1,001.05
6.5% APRC
Virgin Money 01/08/2028 Fixed
4.37% fixed until 01/08/2028
8.24% variable
75%
View details
£1,001.05
6.5% APRC
Virgin Money 01/08/2025 Fixed
4.39% fixed until 01/08/2025
8.24% variable
75%
View details
£1,002.76
7.6% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.4% fixed until 01/08/2028
8.24% variable
85%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
4.43% fixed until 01/08/2028
8.24% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
4.44% fixed until 01/08/2028
8.24% variable
85%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
4.45% fixed until 01/08/2025
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,007.93
7.5% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.46% fixed until 01/08/2025
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,008.79
7.5% APRC
Virgin Money 01/08/2025 Fixed
4.46% fixed until 01/08/2025
8.24% variable
65%
View details
£1,008.79
7.5% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.49% fixed until 01/08/2028
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
4.49% fixed until 01/08/2028
8.24% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
4.49% fixed until 01/08/2028
8.24% 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 01/08/2028 Fixed
4.49% fixed until 01/08/2028
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
4.53% fixed until 01/08/2026
8.24% variable
75%
View details
£1,014.83
7.2% APRC
CASHBACK
Virgin Money 01/08/2026 Fixed
4.53% fixed until 01/08/2026
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,014.83
7.2% APRC
Virgin Money 01/08/2026 Fixed
4.55% fixed until 01/08/2026
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2026 Fixed
4.55% fixed until 01/08/2026
8.24% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.57% fixed until 01/08/2025
8.24% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Variable
4.6% variable (Base Rate plus 0.6% for up to 35 Years)
N/A
65%
View details
£1,020.90
4.7% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.6% fixed until 01/08/2025
8.24% variable
65%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,020.90
7.6% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
4.62% fixed until 01/08/2028
8.24% variable
90%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
4.62% fixed until 01/08/2025
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,022.63
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.63% fixed until 01/08/2025
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,023.50
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.63% fixed until 01/08/2025
8.24% variable
75%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,023.50
7.6% APRC
Virgin Money 01/08/2025 Fixed
4.63% fixed until 01/08/2025
8.24% variable
75%
View details
£1,023.50
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.64% fixed until 01/08/2025
8.24% 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 01/08/2025 Fixed
4.65% fixed until 01/08/2025
8.24% 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 01/08/2025 Fixed
4.65% fixed until 01/08/2025
8.24% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.65% fixed until 01/08/2025
8.24% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
4.66% fixed until 01/08/2026
8.24% variable
65%
View details
£1,026.11
7.2% APRC
Virgin Money 01/08/2026 Fixed
4.66% fixed until 01/08/2026
8.24% variable
65%
View details
£1,026.11
7.2% APRC
Virgin Money 01/08/2028 Fixed
4.69% fixed until 01/08/2028
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
4.69% fixed until 01/08/2028
8.24% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
4.69% fixed until 01/08/2028
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2026 Fixed
4.74% fixed until 01/08/2026
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,033.08
7.2% APRC
CASHBACK
Virgin Money 01/08/2026 Fixed
4.74% fixed until 01/08/2026
8.24% variable
85%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.76% fixed until 01/08/2025
8.24% variable
65%
View details
£1,034.83
7.5% APRC
Virgin Money 01/08/2025 Fixed
4.76% fixed until 01/08/2025
8.24% variable
65%
View details
£1,034.83
7.5% APRC
CASHBACK
Virgin Money 01/08/2026 Fixed
4.79% fixed until 01/08/2026
8.24% 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 01/08/2026 Fixed
4.79% fixed until 01/08/2026
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
4.79% fixed until 01/08/2026
8.24% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
4.8% fixed until 01/08/2025
8.24% variable
75%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
£1,038.33
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.8% fixed until 01/08/2025
8.24% variable
85%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.82% fixed until 01/08/2025
8.24% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
4.86% fixed until 01/08/2026
8.24% variable
75%
View details
£1,043.59
7.2% APRC
Virgin Money 01/08/2026 Fixed
4.86% fixed until 01/08/2026
8.24% variable
75%
View details
£1,043.59
7.2% APRC
Virgin Money 01/08/2025 Variable
4.87% variable (Base Rate plus 0.87% for up to 35 Years)
N/A
75%
View details
£1,044.47
5% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.88% fixed until 01/08/2025
8.24% variable
85%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,046.23
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,046.23
7.6% APRC
CASHBACK
Virgin Money 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% 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 01/08/2025 Fixed
4.89% fixed until 01/08/2025
8.24% 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 01/08/2028 Fixed
4.9% fixed until 01/08/2028
8.24% 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 01/08/2028 Fixed
4.9% fixed until 01/08/2028
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
4.9% fixed until 01/08/2028
8.24% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
4.96% fixed until 01/08/2025
8.24% variable
75%
View details
£1,052.40
7.6% APRC
Virgin Money 01/08/2025 Fixed
4.96% fixed until 01/08/2025
8.24% variable
75%
View details
£1,052.40
7.6% APRC
CASHBACK
Virgin Money 01/08/2028 Fixed
5.02% fixed until 01/08/2028
8.24% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
5.02% fixed until 01/08/2028
8.24% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2028 Fixed
5.02% fixed until 01/08/2028
8.24% variable
95%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
5.06% fixed until 01/08/2026
8.24% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
5.06% fixed until 01/08/2026
8.24% variable
85%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
5.16% fixed until 01/08/2025
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
5.16% fixed until 01/08/2025
8.24% variable
85%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
5.16% fixed until 01/08/2025
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
5.2% fixed until 01/08/2025
8.24% variable
90%
Eligible customers can receive up to £1K cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Variable
5.2% variable (Base Rate plus 1.2% for up to 35 Years)
N/A
85%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2028 Fixed
5.29% fixed until 01/08/2028
8.24% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2026 Fixed
5.31% fixed until 01/08/2026
8.24% 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 01/08/2026 Fixed
5.31% fixed until 01/08/2026
8.24% variable
90%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Virgin Money 01/08/2026 Fixed
5.31% fixed until 01/08/2026
8.24% variable
90%
View details
N/A
Exceeds max. term
Virgin Money 01/08/2025 Fixed
5.41% fixed until 01/08/2025
8.24% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
5.41% fixed until 01/08/2025
8.24% 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 01/08/2025 Fixed
5.41% fixed until 01/08/2025
8.24% 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 01/08/2033 Fixed
5.59% fixed until 01/08/2033
7.99% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2033 Fixed
5.59% fixed until 01/08/2033
7.99% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/08/2025 Fixed
5.8% fixed until 01/08/2025
8.24% variable
95%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Virgin Money’s buy-to-let mortgage rates

1 - 7 of 32
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
CASHBACK
Virgin Money 01/08/2025 Fixed
4.18% fixed until 01/08/2025
8.44% variable
50%
8% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2028 Fixed
4.2% fixed until 01/08/2028
8.44% variable
50%
6.9% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2028 Fixed
4.25% fixed until 01/08/2028
8.44% variable
60%
7% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2025 Fixed
4.28% fixed until 01/08/2025
8.44% variable
60%
8% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2025 Fixed
4.28% fixed until 01/08/2025
8.44% variable
50%
8% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2025 Variable
4.3% variable (Base Rate plus 0.3% for up to 35 Years)
8.44% variable
60%
4.6% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Virgin Money 01/08/2028 Fixed
4.3% fixed until 01/08/2028
8.44% variable
50%
7% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
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What types of mortgages can I get with Virgin Money?

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our customer satisfaction scores ("Customers say") are based on a survey of 1,588 customers carried out in December 2022.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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