Can a broker do a product transfer with Virgin Money?

Yes, we can arrange a product transfer with Virgin Money on your behalf. We do all the heavy lifting and compare the offered rate against the rest of the market.

Is it cheaper to stay with Virgin Money or remortgage?

It depends on your current loan-to-value, credit score, and market conditions. A product transfer has zero legal fees, but another lender might offer a significantly lower interest rate. We'll crunch the numbers for you.

How long does a Virgin Money mortgage application take?

Application times vary depending on complexity and lender backlog, but typically a product transfer is instant or takes a few days, while a new application can take 2-4 weeks. We track it constantly to speed things up.

Virgin Money Mortgages & Product Transfers

We have access to Virgin Money's full range of mortgage products, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel.

Getting a Mortgage with Virgin Money

Known for innovative products and flexible criteria for contractors and professionals, Virgin Money offers a competitive range of mortgages. If you're an existing customer, we can secure a Virgin Money product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.

Access to Virgin Money's latest mortgage rates
Hassle-free product transfers for existing Virgin Money customers
We compare Virgin Money against 90+ other UK lenders
Full management of your application from start to finish
free initial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Virgin Money Product Transfers

If your current Virgin Money mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.

First-Time Buyers & Home Movers

Virgin Money provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements to get your application approved smoothly.

Why Use a Broker for Virgin Money?

Going direct means you only see one bank's products. By using us, you get access to Virgin Money's deals plus our comprehensive panel of 90+ lenders. We handle the paperwork, chase the lender, and ensure you're getting the best possible financial outcome.

Virgin Money at a glance

Part of Nationwide Building Society Group. Established 1995. Headquartered in Newcastle upon Tyne. FCA firm reference number 204473.

Specialties

Standard residential and BTL
Greener Mortgage cashback for EPC A/B
Retention product transfers with sharp pricing
Contractors and professionals

Typical Virgin Money rate ranges

Indicative broker-facing ranges as of Q3 2026. Rates change daily and depend on your loan-to-value, credit profile and product fees — always confirm the live rate at application.

2-year fixed (65% LTV)

typically 4.00% – 4.45%

5-year fixed (65% LTV)

typically 3.95% – 4.35%

BTL 5-year fixed (75% LTV)

typically 4.50% – 5.05%