Important information - changes to product offering and policy requirements

Some changes to our product range and policy requirements are currently in place.

We’re continuing to monitor the situation closely and we’re working hard to support you and your customers during these difficult times.

For a full update of all changes please view our dedicated update page.


We are dedicated to helping people buy their first home. And with the need for an experienced hand to guide first time buyers through taking their first step onto the property ladder, intermediaries have an important role to play.

So, from home buying hints and tips for your clients, through to calculators and sales aids for you, we’re ready to help you build your first time buyer business.


Help for you


New build guide

How we can help with your new build business.

Download  New build guide. PDF opens in a new window 
(PDF, 466KB)


Compare our mortgages

View our latest deals on our Mortgage Product Update.

Find a mortgage PDF opens in a new window 

Affordability calculator

Calculate an accurate borrowing figure for your client.

Find out more  page opens in a new window 

Help for your client


A customer brochure

The journey to owning your first home

Email this handy guide to your first time buyer clients to help them take their first steps onto the property ladder. Or print this off and use as a handout if you prefer.

Download  First Time Buyer customer brochure. PDF opens in a new window 
(PDF, 411KB)


A customer checklist

Top tips - preparing for the big move

Email this useful checklist to your first time buyer clients to help them prepare for the big move. Or print this off and use as a handout if you prefer.

Download Top tips - preparing for the big move PDF; opens in a new window 
(PDF, 71KB)


Budget planner

Help your client work out how much they can pay on a mortgage with this handy budget planner.

Find out more  page opens in a new window 

Saving for a deposit

Help your client work out how long it will take them to save a deposit.

Find out more page opens in a new window 

The customer facing items provided are for your clients to read and keep. Please make sure you run them by your own compliance team to check they’re happy before you use them. Plus check out the best practice guidelines we’ve created to help.

Why you should recommend
Virgin Money to your First Time Buyers


Products and Features

  • We have deals available up to 95% LTV.
  • New build deals up to 90% LTV on houses and 75% LTV on flats. Help to Buy Equity Loan and Shared Ownership products also available.
  • A variety of fee options.
  • Flexible features as standard - your clients can make overpayments and apply for payment holidays (subject to criteria)1

1 Flexible features are subject to Virgin Money’s agreement and the terms and conditions of your client’s mortgage.


Great service

  • Dedicated Regional Service Teams who know your area well.
  • Access to all our mortgages - we don’t keep the best deals to help us find new customers ourselves.
  • At least 24 hours’ notice before we increase the rates on our mortgage products.
  • Discounts from across the Virgin Group for you and your clients too when they become a Virgin Money customer.
    View our Virgin Group offers 

Want to know more?

Our BDMs are here to help you with both Virgin Money and Clydesdale Bank.

Find your BDMs Link opens in a new window