Tools & sales aids

We accept scanned copies of all supporting documentation to help speed up the mortgage application process for you and your clients.

Copies of all supporting documentation such as income verification, ID and proof of residence can be sent to us using one of four options:

• You will be prompted within VMO to upload your documents once you have submitted your application.
• You can upload supporting documents to VMO at any time once your application has been submitted.
• Use the Secure Document Transfer link which we will email to you following completion of an application. Secure Document Transfer links are unique and case specific and should only be used to upload supporting documents for the case referenced in the email you receive.
• Use the existing unsecure method by emailing your documents to docs@virginmoney.com for new business and PTdocs@virginmoney.com for product transfer business.

• You must have seen and verified the original documents
• The copy must be a true likeness of the original
• You must certify and sign the copy as a true copy of the original
• The application number and name of your client/s must be clearly stated
• Ensure copies are of a good quality; any illegible documents will not be accepted and you will be asked to re-send them.

Copies of all supporting documentation can be sent to us using one of four options:

• You will be prompted within VMO to upload your documents once you have submitted your application.
• You can upload supporting documents to VMO at any time once your application has been submitted.
• Use the Secure Document Transfer link which we will email to you following completion of an application. Secure Document Transfer links are unique and case specific and should only be used to upload supporting documents for the case referenced in the email you receive.
• Use the existing unsecure method by emailing your documents to docs@virginmoney.com for new business and PTdocs@virginmoney.com for product transfer business.

For any queries, please call your dedicated Regional Service Team and select the relevant option.

Here are some helpful tips to use during the application process:

• Input each credit commitment separately and do not combine commitments as one entry; this will help to prevent your clients' maximum borrowing amount being artificially reduced. Remember to include all credit commitments that your clients have, including credit cards
• Only input dependants once i.e. if your clients have two children between them, do not input two dependants under each applicant's details
• When inputting addresses please use the full address and not abbreviations e.g. 'street' not 'st' and 'avenue' not 'ave'
• Please ensure that maintenance payments are included into the 'monthly maintenance / CSA payments' field and not in the 'monthly regular childcare' section as it may affect the maximum borrowing amount generated
• Include all 'interest only' details. Your case will not be able to proceed until we have received all details requested on the application

Copies of all supporting documentation such as income verification, ID and proof of residence can be sent to us using one of four options:

• You will be prompted within VMO to upload your documents once you have submitted your application.
• You can upload supporting documents to VMO at any time once your application has been submitted.
• Use the Secure Document Transfer link which we will email to you following completion of an application. Secure Document Transfer links are unique and case specific and should only be used to upload supporting documents for the case referenced in the email you receive.
• Use the existing unsecure method by emailing your documents to docs@virginmoney.com for new business and PTdocs@virginmoney.com for product transfer business.

Please ensure you use our online affordability calculator before submitting a Decision in Principle.

Providing the income and expenditure information you input is accurate the calculator will provide you and your clients with an accurate illustrative borrowing figure.

Please note that if the online affordability calculator prompts you to send in a Monthly and Regular Expenditure form please remember to send this to us at the time of application. Refer to the section below the loan amount offered for the prompt as to whether a form is required.

Copies of all supporting documentation such as income verification, ID and proof of residence can be sent to us using one of four options:

• You will be prompted within VMO to upload your documents once you have submitted your application.
• You can upload supporting documents to VMO at any time once your application has been submitted.
• Use the Secure Document Transfer link which we will email to you following completion of an application. Secure Document Transfer links are unique and case specific and should only be used to upload supporting documents for the case referenced in the email you receive.
• Use the existing unsecure method by emailing your documents to docs@virginmoney.com for new business and PTdocs@virginmoney.com for product transfer business.

Please note that although products will be booked at the time of application, the valuation will not be instructed and the application will not be progressed until we receive all relevant supporting documentation, including the expenditure form where applicable.

If supporting documentation is not received in a timely manner, we reserve the right to cancel the original application including the product requested.