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 product with relevant alternatives available through our comprehensive panel.

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 may avoid legal and valuation fees, depending on the lender and product, 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 mortgage products available through our panel, 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.

Review of Virgin Money mortgage products available through our panel
Hassle-free product transfers for existing Virgin Money customers
We compare Virgin Money against 80+ other UK lenders
Full management of your application from start to finish
free initial mortgage advice

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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 and prepare an application that reflects your circumstances.

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 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.

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

Lending criteria highlights

Min income: £25,000 sole / £30,000 joint
Max LTV: 95% residential, 75% BTL
Max age at term end: 75 (residential)
Self-employed: 2 years' SA302s
Contractors: Day-rate contractors: 12 months' history

Where Virgin Money shines

Competitive product-transfer pricing for existing customers
Cashback on green-rated homes
Sharp 5-year fixes for professionals

Watch-outs

Newer lender brand — less legacy interest-only book
Bonus income capped at 50%

Criteria provenance

Source: Virgin Money lender or intermediary information, FCA Register records and adviser research

Virgin Money does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.

Sources & further reading

These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.

Virgin Money Mortgages & Product Transfers — FAQs

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Get Free Expert Advice

Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.

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