Virgin Money mortgage rates and review

Virgin Money offers fixed rate mortgages starting as low as 1.09%.

4.0 ★★★★★ (220 reviews) Write a review
Virgin Money is a UK bank providing competitive deals on a range of financial products, including mortgages.
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1 - 30 of 112
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
CASHBACK
Virgin Money 01/10/2026 Fixed
1.09% fixed until 01/10/2026
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£742.27
7.9% APRC
CASHBACK
Virgin Money 01/10/2026 Fixed
1.93% fixed until 01/10/2026
9.49% variable
75%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£804.12
8% APRC
CASHBACK
Virgin Money 01/10/2026 Fixed
2.48% fixed until 01/10/2026
9.49% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2026 Fixed
2.67% fixed until 01/10/2026
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£861.16
8% APRC
CASHBACK
Virgin Money 01/10/2026 Fixed
2.73% fixed until 01/10/2026
9.49% variable
90%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
3% fixed until 01/10/2029
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£887.36
7.1% APRC
CASHBACK
Virgin Money 01/10/2026 Fixed
3.19% fixed until 01/10/2026
9.49% variable
75%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£902.65
8.2% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
3.42% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£921.37
7.2% APRC
CASHBACK
Virgin Money 01/10/2026 Fixed
3.61% fixed until 01/10/2026
9.49% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
3.64% fixed until 01/10/2029
9.49% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£939.49
7.3% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
3.67% fixed until 01/10/2029
9.49% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2026 Fixed
3.86% fixed until 01/10/2026
9.49% variable
90%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
3.88% fixed until 01/10/2029
9.49% variable
90%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
3.93% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£963.68
7.4% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.12% fixed until 01/10/2029
9.49% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
4.26% fixed until 01/10/2029
9.49% variable
90%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Virgin Money 01/10/2029 Fixed
4.54% fixed until 01/10/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,015.70
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.56% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,017.43
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.59% fixed until 01/10/2029
9.49% variable
65%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,020.03
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.59% fixed until 01/10/2029
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 01/10/2029 Fixed
4.64% fixed until 01/10/2029
9.49% variable
65%
View details
£1,024.37
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.64% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,024.37
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.64% fixed until 01/10/2029
9.49% variable
80%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,024.37
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.67% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,026.98
7.5% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.69% fixed until 01/10/2029
9.49% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,028.72
7.6% APRC
Virgin Money 01/10/2029 Fixed
4.74% fixed until 01/10/2029
9.49% variable
75%
View details
£1,033.08
7.6% APRC
CASHBACK
Virgin Money 01/10/2029 Fixed
4.74% fixed until 01/10/2029
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 01/10/2029 Fixed
4.79% fixed until 01/10/2029
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 01/10/2029 Fixed
4.79% fixed until 01/10/2029
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 01/10/2029 Fixed
4.79% fixed until 01/10/2029
9.49% variable
65%
View details
£1,037.46
7.6% APRC
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing 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 44
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Virgin Money 01/10/2026 Fixed
4.03% fixed until 01/10/2026
9.69% variable
60%
8.7% APRC
View details
Virgin Money 01/10/2029 Fixed
4.15% fixed until 01/10/2029
9.69% variable
60%
7.9% APRC
View details
Virgin Money 01/10/2026 Fixed
4.18% fixed until 01/10/2026
9.69% variable
75%
9.1% APRC
View details
Virgin Money 01/10/2026 Fixed
4.23% fixed until 01/10/2026
9.69% variable
60%
8.7% APRC
View details
Virgin Money 01/10/2029 Fixed
4.25% fixed until 01/10/2029
9.69% variable
75%
7.7% APRC
View details
Virgin Money 01/10/2029 Fixed
4.35% fixed until 01/10/2029
9.69% variable
60%
7.9% APRC
View details
Virgin Money 01/10/2026 Fixed
4.38% fixed until 01/10/2026
9.69% variable
75%
9.1% APRC
View details
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Virgin Money mortgages customer reviews

In our 2024 customer satisfaction survey, Virgin Money scored 4.4 out of 5 stars with 91% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented positively on Virgin Money’s customer service.

Here is some of the feedback we got from Virgin Money mortgage customers:

“Excellent customer service.”
“They are very helpful and easy to contact.”
“They were supportive, gave me honest and open feedback and advised me as best they could. They also gave me the best rate.”

What types of mortgages can I get with Virgin Money?

Mortgage ratings

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

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Matthew Boyle

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full profile

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