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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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In 2024, Virgin Money was purchased by Nationwide Building Society, but the brand is expected to remain until at least 2030.
Here, you can find out what real Virgin Money mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Virgin Money mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Virgin Money mortgage review
Real Virgin Money customer views
We've asked 68 Virgin Money mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Virgin Money's mortgage rates to work out if it's a lender that offers competitive deals.
Virgin Money ranked in the top half of our latest customer satisfaction survey and received four stars for customer service. In our interest rate analysis, it achieved the average score.
74%
out of 21 mortgage lenders ranked on customer score (joint 6th)
To see how Virgin Money compares to other mortgage providers, read our guide on the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Virgin Money achieved the average score, placing 10th out of 21 lenders. It did offer some competitive mortgage rates, but not as frequently or across as many mortgage scenarios as lenders such as HSBC and Santander, during our analysis.
You can see the mortgages Virgin Money is currently offering to first-time buyers, home movers and remortgagers in the tables below.
To see how Virgin Money compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Virgin Money | 74% | 4.18% | £895 | 6.99% |
| 80% fee free | Virgin Money | 74% | 4.32% | £0 | 6.99% |
| 90% | Virgin Money | 74% | 4.49% | £995 | 6.99% |
| 90% fee free | Virgin Money | 74% | 4.52% | £0 | 6.99% |
| 95% | Virgin Money | 74% | 4.89% | £0 | 6.99% |
| 95% fee free | Virgin Money | 74% | 4.89% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 68.
| 60% | Virgin Money | 74% | 3.99% | £895 | 6.99% |
| 60% fee free | Virgin Money | 74% | 4.24% | £0 | 6.99% |
| 75% | Virgin Money | 74% | 3.99% | £895 | 6.99% |
| 75% fee free | Virgin Money | 74% | 4.24% | £0 | 6.99% |
| 85% | Virgin Money | 74% | 4.39% | £995 | 6.99% |
| 85% fee free | Virgin Money | 74% | 4.52% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 68.
| 60% | Virgin Money | 74% | 3.99% | £995 | 6.99% |
| 60% fee free | Virgin Money | 74% | 4.24% | £0 | 6.99% |
| 75% | Virgin Money | 74% | 4.04% | £995 | 6.99% |
| 75% fee free | Virgin Money | 74% | 4.45% | £0 | 6.99% |
| 85% | Virgin Money | 74% | 4.44% | £995 | 6.99% |
| 85% fee free | Virgin Money | 74% | 4.79% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Virgin Money had a sample size of 68.
L&C Mortgages can search through 1000s of deals to find your best mortgage rate. Plus, they won't charge you any fees for their advice.
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Virgin Money mortgage customers about their experience with the lender.
Here's how customers rated Virgin Money for various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. The sample size for Virgin Money is 68.
We don't just produce customer scores and star ratings, but also collect comments from real customers.
The vast majority of responses about Virgin Money were positive. Many customers said they had 'never had issues' or 'problems' with their Virgin Money mortgage.
Feedback praised Virgin Money's customer service. For example, one comment noted that staff are 'always helpful', and another said its 'response time is top notch'.
When we checked in September 2025, there were 73 mortgages available from Virgin Money. The vast majority were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Its mortgages have initial periods of two, five or 10 years.
A smaller number of mortgages offered by Virgin Money were tracker deals, with initial terms lasting two years before reverting to the Virgin Money standard variable rate.
Virgin Money doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Virgin Money will offer a lower rate for mortgages on new-build properties that have an energy rating of A or B. Be aware that you will need at least a 15% deposit for a Virgin Money Greener Mortgage.
All of Virgin Money's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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