Questions and answers

We can usually make changes to existing offers if you need to amend things like the term, loan amount, repayment method, or purchase price. Just contact us to let us know what you need to change. Where this requires a change to product, the range used should be our current new business range.

We allow a change of product using the current product range as many times as needed prior to completion. This can be pre-offer or post-offer, up until we have received the Certificate of Title from the solicitor. We can’t make changes to the product after the COT has been received. If it’s just the product you need to change, our mortgage product switch form is the easiest way to do it.

Some changes need a brand new application. These include a change of property and adding or removing applicants or changing the application type from residential to BTL and vice versa.

For a new to bank customer the easiest way to obtain a DIP is to use our Virgin Money Online (VMO) facility.

If you would like to use the VMO service you must be registered to submit mortgage business with us. If you have not already done so you should complete our Online Registration Form.

If you are already registered please Contact Us so that we can provide your login details and/or access to the VMO software.

For existing customers porting their mortgage to a new property a manual DIP must be completed. Please Contact Us to complete the DIP.

For a new to bank customer the easiest way to obtain an Illustration is to use our Virgin Money Online (VMO) facility.

If you would like to use the VMO service you must be registered to submit mortgage business with us. If you have not already done so you should complete our Online Registration Form.

If you are already registered please Contact Us so that we can provide your login details and/or access to the VMO software.

For existing customers porting their mortgage to a new property a manual Illustration must be issued. Please Contact Us to obtain an illustration.

When a purchase falls through and the client wants to transfer their application to a new property the applicants details can be transferred to a new application.

Please use the “pre-populate” function within VMO or MTE to transfer the existing details from the DIP to a new case.

Please call your dedicated Regional Service Team to let us know the new application number and we will transfer the original product, application fee and any unutilised fees.

The existing application will then be cancelled.

If the original case has already been cancelled, we will allow the product and fees (where applicable) to be transferred up to six weeks after the date of cancellation.

When we receive the application it will be re-assessed and you will be advised of our documentary requirements in the normal way.

We have a dedicated team of fully trained staff to help you with any queries that you may have when using our new online services, please contact us.

If you are missing a form or want to download the latest product information you can access a wide range of documentation on our Useful Downloads page.

The Virgin Money Buy To Let Variable Rate is 7.49% (effective from 1 September 2025 for existing customers).

The Virgin Money SVR is 6.74% (effective from 1 February 2026 for existing customers).

Our Offer is valid for 180 days.

Offers – new build

Our Offer for a new build property is valid for 210 days.

Our flexible mortgage range is ideal for your clients looking to secure more flexibility. As their lives change, so too can their mortgage, allowing them to choose whatever works for them at the time, including unlimited overpayments, the opportunity to apply for payment holidays, underpayments and to borrow back previous overpayments. Please note all flexible features must be applied for and are subject to an affordability assessment and the terms and conditions of your client’s mortgage and Virgin Money’s agreement.

For further details of the flexible features we offer, please visit our Product Information page.

Our Everyday product range contains our lowest priced mortgage rates. As well as offering low rates, these products also offer additional features that entitle your client to make overpayments of up to 10% of their outstanding balance per calendar year and to apply for payment holidays. Please note that all features are subject to terms and conditions.

For further details please visit our Product Information page.

You can use our Mortgage Finder to locate the most suitable mortgage product to match your clients needs.

Alternatively a full list of all our mortgage products and exclusive mortgage products available to all intermediaries registered with a Virgin Money National Account can be found on our Useful Downloads page.

You can complete the online Registration Form.

One of our Intermediary Support Team will then be in touch to get you up and running within 2 business days.

You will receive e-mail confirmation when the registration process is complete, once you've received that you'll be able to submit business with us.

If you would like to use the Virgin Money Online service you must be registered to submit mortgage business with us. If you have not already done so you should complete our Online Registration Form.

If you are already registered please Contact Us so that we can provide your login details and/or access to the VMO software.

You can change your personal details by accessing the online Amendment Form.

If you experience any problems whilst trying to register to do business with us, please contact us

For more information on valuations please view our Lending criteria.

If you have any queries regarding your procuration fee please contact us by emailing procuration.fees@virginmoney.com.

If you have any queries regarding your procuration fee please contact us by emailing at procuration.fees@virginmoney.com

Details of the payment due can be found on Section 2 of the Offer Illustration. Please check the payment is correct, prior to the payment date.

Procuration fee payments and statements from Virgin Money will be provided directly to your Network or Club who will arrange payment to you. This is the Network or Club named in Section 2 of the Offer Illustration as receiving payment for the case.

We make payments by BACS on or around the 16th of each month, the month after the mortgage completes.

If you are submitting a BTL Portfolio landlord product transfer application and don’t have access to the BTL Hub you will need to register Link opens in a new window.

Only one intermediary from each firm needs to initially register the firm. They can then add new members, who will also then be able to add colleagues to the system.

Once you are registered you can start to submit your client's property schedule.

A material change can be one of the following though this is not an exhaustive list, please contact us to make any changes.

• Valuation causes LTV decrease
• Valuation causes LTV increase and fails affordability
• Valuation causes LTV increase but passes affordability
• Valuation causes LTV increase which exceeds the product maximum
• Change of product
• Change to loan amount
• Change in the mortgage term
• Change in repayment type and/or the repayment vehicle
• Change from freehold to leasehold (ground rent & service charges are assessed within affordability)
• Change in income or expenditure
• Change in product fee selection from ‘pay separately’ to ‘add to loan’
• *Adding or removing a party to the mortgage
• *Change of property

*A change of property or adding/removing a party will require a new application to be submitted to us.

This is a form the applicant(s) sign to acknowledge they have not received advice and will not benefit from the protection of a recommendation, based on a full assessment of their needs and circumstances.

This must be received for all execution only applications you submit and be signed by all applicants. You are responsible for creating the confirmation form and gaining the applicants' signatures.

From 28 April 2026, Virgin Money no longer offers new buy-to-let mortgages.

This includes non-regulated, consumer and regulated buy-to-let lending. None of which will be available to new customers after 28th April 2026.

Buy-to-let Product Transfer and Home Mover products are still available for existing customers.

We will continue to process the application in the usual way, in line with the lending policy at the point of application.

You should continue to interact with us in your normal way however some processes have been impacted such as change of properties and change of applicants. Please see the relevant sections below for more information.

If the customer wishes to change products, for example from a 2 year to a 5 year deal, you can choose from the range available at the point of application.

Existing offers will be honoured.

Brokers and solicitors should continue to interact with us in your normal way however some processes have been impacted such as change of properties and change of applicants. Please see the relevant sections below for more information.

New products have been withdrawn. However, if the customer wishes to request a change, for example from a 2 year to a 5 year deal, you can choose from the range available at the point of application.

No. If the property on a pipeline offer/application falls through then we would need to process a new application. As we have stopped accepting new applications, the client would need to go to another lender.

No. This would require a new application. As we have stopped accepting new applications, the client would need to go to another lender.

You can continue to process existing customer transactions in your usual way.

We will continue to service existing customers with a range of product transfer, home mover and stand alone additional borrowing options.

There is no impact to our returning home mover journey and you should continue to process these cases in your usual way.

We have an existing customer product range for customers wanting to move their mortgage to another property.

There will be no changes to our product transfer process as a result of our decision to withdraw from new buy-to-let lending.