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The Everyday range aims to provide customers with a choice of simple and straightforward mortgages. It offers a selection of mortgage products designed to fit the needs of borrowers, whether a first time buyer, moving home, coming to the end of an existing Virgin Money deal or wanting to switch their mortgage from a current lender.
Incentives:
The following may be available on selected products at selected times:
We have a wide range of mortgages available at up to 80% LTV.
Incentives:
The following may be available on selected products at selected times:
The government Help to Buy Equity Loan schemes are designed to help home buyers with smaller deposits buy a new build home in England, London, Scotland or Wales.
Help to Buy Equity Loan Scheme | Minimum Deposit | Equity Loan (up to) | Mortgage (up to) | Maximum Property Value | VM Product Available | ||
---|---|---|---|---|---|---|---|
55% LTV | 75% LTV | 80% LTV | |||||
England* | 5% | 20% | 75% | £437,600 | ![]() | ![]() | ![]() |
London | 5% | 40% | 75% | £600,000 | ![]() | ![]() | ![]() |
Scotland | 5% | 15% | 80% | £200,000 | ![]() | ![]() | ![]() |
Wales | 5% | 20% | 75% | £300,000 | ![]() | ![]() | ![]() |
For full details of the range, which includes some Greener mortgage options, please view the Help to Buy Equity Loan sections in the latest Mortgage Update Link opens in a new window.
If you have any queries, you can give us a call or contact your dedicated Business Development Manager.
*Regional caps apply
Our Greener Mortgages give customers access to a range of new-build products that are priced more competitively than their equivalent Core products, rewarding customers for purchasing an energy efficient home. The range includes Help to Buy Equity Loan and Shared Ownership options.
To qualify, customers must be purchasing a new-build residential home with a certified or predicted energy rating of A or B. This will be evidenced by an Energy Performance Certificate (EPC), a Predicted Energy Assessment (PEA) or a Standard Assessment Procedure (SAP) calculation.
These can be obtained from the Builder (site office, sales manager or housing authority) or government register and must be submitted to us as part of the mortgage application process, along with any other supporting documentation. Please also see our New Build lending criteria.
Our range of Flexible mortgages*, as the name suggests are flexible by nature. They are the fully flexible alternative to our Everyday mortgages. They change to fit customer needs; as their lives change so too can their mortgage.
*Please note our Flexible mortgages are not currently available to new customers. All flexible features (with the exception of overpayments) must be applied for and are subject to the terms and conditions of your client’s mortgage and Virgin Money’s agreement.
Incentives:
The following may be available on selected products at selected times:
Lending over 90% up to 95% LTV is available under the Government’s Mortgage Guarantee Scheme. To qualify, applicants must not have any other interests in another property and must complete a Mortgage Guarantee Scheme Customer Declaration.
Availability:
Key product features:
This website is for use by Virgin Money Intermediaries ONLY. Do not access this area or rely on any information/representations contained therein if you are a personal customer of Virgin Money or you are a private individual wishing to enquire regarding products & services offered by Virgin Money.
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