Virgin Money mortgage calculators

Virgin Money has a range of useful mortgage calculators on its website.

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warning icon Warning: your home may be repossessed if you do not keep up repayments on your mortgage.
Virgin Money is a challenger bank offering a range of mortgages for first-time buyers, remortgages or buy-to-let properties.

Its website includes a range of useful calculators to help you work out how much a Virgin Money mortgage will cost you in various scenarios.

More mortgage calculators

How much can I borrow?

Estimate the size of mortgage that will be available to you based on factors like your income and deposit.

How much will it cost?

Estimate your monthly repayments in seconds from your mortgage amount, interest rate and duration.

How much stamp duty will I pay?

Buying a property over £125,000? Calculate how much you will pay in stamp duty with our handy calculator.

“How much can I borrow” calculator

This will help you estimate how much money you’ll be eligible to borrow for a Virgin Money mortgage.

First, enter details of your income and outgoings. Then, you’ll be asked for your mortgage requirements, including your desired mortgage size, desired mortgage term and whether you’re looking to remortgage or buy a new home.

The calculator will then provide an estimate for you, although this is no guarantee. Your eligibility will be based on a number of factors including your credit score, spending habits and job security.

Virgin Money also has a more advanced tool to check your eligibility, which involves a soft credit check.

Mortgage overpayment calculator

This calculator will help you work out how much you could save on your mortgage by paying it off faster. By overpaying, you reduce the amount of interest you pay and can become mortgage-free quicker.

Simply enter your mortgage rate, remaining term and your current interest rate, then how much you’d like to overpay by per month.

You’ll then be able to compare the total amount of interest paid and total time to pay off the mortgage, when overpaying or not overpaying. It’ll be displayed as a line graph and a table.

Budget planner

This tool helps you calculate how much you can afford to pay for your mortgage. It makes it simple to add up your monthly bills and other financial commitments.

First, you enter your monthly income. Then, estimate how much you spend per month in 18 different categories.

The budget planner will add up your total spending and then inform you how much of your income you have left to spend on your mortgage.

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