Virgin Money Mortgages Reviews

  Ratings based on 45 reviews       Last review 1 month ago    

Overall Rating

Great

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Virgin Money Review Insight

What are people saying in their reviews?

Customer Service

33% of feedback is Process related

Customer profile

Top Age Profile: 25-34

Top Channel Preference: App

Your Mortgages Reviews

45 reviews

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Delay after delay after delay

Daughters first mortgage, she made this clear from start. Tried to support her myself as much as possible while watching her experience the real world & learn from it. Virgin Money in my opinion (she wont disagree) were diabolical with their general... Read more

Daughters first mortgage, she made this clear from start. Tried to support her myself as much as possible while watching her experience the real world & learn from it. Virgin Money in my opinion (she wont disagree) were diabolical with their general handling throughout process. I appreciate pandemic etc but over 2 months to handle straight forward transactions etc is utterly abysmal. Communication wasn't much better than general performance. Appointment clearly advised as 17th when phoned to see why had not been phoned ended up going ahead a week later. When finally think we're getting there, they advise Home Report is out of date?! Home report was advised to them start of process, takes weeks with no update for them to advise 6 weeks into process sorry valuation is over 3 months old needs redone...gets redone astonishingly quickly & emailed through....not acknowledged & having to chase, TWO WEEKS later still awaiting final decision....diabolical.

Reviewed on 19th October 2021
John Lightbody's avatar
John Lightbody

Mortgage Team Don't Care About Customers

It took 58 minutes if waiting for me to speak with the mortgage team. Yesterday I tried their call back service. I received a text at 10:45am confirming someone will call me in about 60 minutes. I received a call at 12:00 I quickly clicked answer... Read more

It took 58 minutes if waiting for me to speak with the mortgage team. Yesterday I tried their call back service. I received a text at 10:45am confirming someone will call me in about 60 minutes. I received a call at 12:00 I quickly clicked answer and put the phone against my ear, and said Hello, and the phone call was ended. Terrible customer experience. This is the last time I mortgage with them, in future I will be looking at other mortgage providers.

Reviewed on 26th July 2021
Z Din's avatar
Z Din

Massively under valued house leading to high LTV

We went through the mortgage applicatipn with virgin was quite please with a great deal on offer LTV and interest rate good we already live in our house and were looking to swap provider to get a better deal. However when it came down to the valuation... Read more

We went through the mortgage applicatipn with virgin was quite please with a great deal on offer LTV and interest rate good we already live in our house and were looking to swap provider to get a better deal. However when it came down to the valuation apparently they do it all electronically and was told computer says price and its got to be right theres nothing we can do....now the value compared to our current mortage company was over 40000 difference and I have no idea how they work the figure out electronically either as house prices in the area did not reflect there value. Therefore they put us on a higher LTV higher interest rate which just defeated why we was looking to move. Therefore we stayed with our current company as with a higher interest rate it wasn't worth it to move. I would AVOID...they lure you in with good deals but really twist it anyway they can to try benefit the company and push you on a rubbish deal.

Reviewed on 20th June 2021
KandD's avatar
KandD

Easy to deal with

Simple online application . Super quick service

Reviewed on 18th June 2021
Vickie Slater's avatar
Vickie Slater

Terrible service..Avoid!!

I’m absolutely disgusted with the service I received from virgin money, i have been with years now and use other products but recently we have tried to purchase a new house and paid £275-£280 for the valuation fee after a few weeks we was told we cou... Read more

I’m absolutely disgusted with the service I received from virgin money, i have been with years now and use other products but recently we have tried to purchase a new house and paid £275-£280 for the valuation fee after a few weeks we was told we couldn’t borrow the money due to the house being over valued so we investigated further and found that they didn’t even send an agent out to the property but done it over the internet this is an absolutely shocking as we have now lost are dream house and we have since asked multiple times for them to visit the property as we and the agents believe that the valuation from virgin was over harsh, since the emails they will not go and view the property so we now have to move mortgage lender to get the money, £280 for no effort at all!!? I won’t be ever using virgin money again and will be telling everyone to avoid them at all costs.

Reviewed on 10th June 2021
Albert West's avatar
Albert West

Mortgage Application Delay

We have been waiting well over a month for our application to be processed which has been stuck at the valuation stage. We recently found out Virgin had requested the report from the wrong valuer. This has delayed our application by weeks, lack of... Read more

We have been waiting well over a month for our application to be processed which has been stuck at the valuation stage. We recently found out Virgin had requested the report from the wrong valuer. This has delayed our application by weeks, lack of communication or apology from Virgin, our seller is growing increasingly impatient and we are having to spend far more time than we should have to trying to push this along. Very disappointed and wish we went with someone else.

Reviewed on 25th May 2021
JS's avatar
JS

Ok

Ok to deal with and friendly and supportive

Reviewed on 20th March 2021
Sajjad Shah's avatar
Sajjad Shah

Mortgage - Extremely poor online service / tool

Very limited online tool they have for their clients. It is very basic tool with no monthly breakdowns, no confirmation of over payments visible, no mobile app to be able to use etc. We did not have any issue with the mortgage as such but the online... Read more

Very limited online tool they have for their clients. It is very basic tool with no monthly breakdowns, no confirmation of over payments visible, no mobile app to be able to use etc. We did not have any issue with the mortgage as such but the online tool should be much more advances especially having most people working from home these days and phone lines being so busy (really hard get through customer service these days).

Reviewed on 9th December 2020
Clarisse 's avatar
Clarisse

90 LTV Mortgage during Sept 2020

In a world of little to no high LTV mortgages, Virgin provided a good rate, few restrictions when buying a house and a speedy/professional service. I particular like the process of vetting you during AIP with one full credit check which then speeds up... Read more

In a world of little to no high LTV mortgages, Virgin provided a good rate, few restrictions when buying a house and a speedy/professional service. I particular like the process of vetting you during AIP with one full credit check which then speeds up the main mortgage application. Forms submitted, clear requirements of what I needed to provide with an full approval 2 weeks later

Reviewed on 30th September 2020
JPS's avatar
JPS

Simple and good value

Simple to arrange and good value product

Reviewed on 26th August 2019
N1ckyf's avatar
N1ckyf

great service

Easy to sign up and change to virgin mortgage ,quality service and no fees fantastic rate

Reviewed on 19th April 2019
Rupert Summerton's avatar
Rupert Summerton

Don't have a clue what they're speaking about!

Customer Service is a complete joke. Get told different things every time you phone, even if it's just half an hour later!

Reviewed on 15th April 2019
Nikki's avatar
Nikki

Reply from Virgin Money

Good Afternoon Nikki, thanks for getting in touch. If you'd like me to look in this further please email your details over to reviewhelper@virginmoney.com and I'll take it from there. Thanks, Lindsay

Great product

Great rates and perfect customer service.

Reviewed on 12th January 2019
Emma Hastings's avatar
Emma Hastings

great deal

guided by my mortgage advisor that Virgin Money offers the best deal and we are happy that we got the house of our dreams because of Virgin Money mortgage.

Reviewed on 18th December 2018
Catherine Cuevas's avatar
Catherine Cuevas

BUY TO LET MORTGAGE CUSTOMER EXPERIENCE

I had a smooth and professional experience at Virgin Money during my Buy to let mortgage application process. I called in and made a phone application and within weeks my application had been approved with no delays in release of the funds. I was kept... Read more

I had a smooth and professional experience at Virgin Money during my Buy to let mortgage application process. I called in and made a phone application and within weeks my application had been approved with no delays in release of the funds. I was kept informed and the necessary affordability and credit checks were thourough. I was very pleased with the overall experience.

Reviewed on 16th December 2018
Becky's avatar
Becky

Great service

Quick and easy to arrange mortgage. Competitive rates

Reviewed on 14th December 2018
Hdisney's avatar
Hdisney

Very efficient and excellent rates

Easy process with professional advice, making for an easy transaction

Reviewed on 14th December 2018
Diane Cole's avatar
Diane Cole

Trusted and great product

I always find the colleagues at Virgin Money incredibly helpful and with a strong product mix as well I look for ways to engage with you

Reviewed on 14th December 2018
Kevin Johnson's avatar
Kevin Johnson

Most efficient service i have ever had!

Kept well informed throughout the application process by text, in the phone and online. Very quick and painless process and great products too

Reviewed on 7th December 2018
michelle ryan's avatar
michelle ryan

Good mortgage

Good mortgage company, I really like them

Reviewed on 7th December 2018
Ian Peppard's avatar
Ian Peppard