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Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.32 (92 reviews)

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3.13

Based on 92 reviews, last reviewed 8th Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

47%

11%

35%

Latest highest rating:

5

We have a flexible repay mortgage interest only - so... We have a flexible repay mortgage interest only - so helpful when you are self employed Reviewed on: 26th February 2025

Latest lowest rating:

1

Issues switching deals I’ve been with Virgin Money for many years and previously found the mortgage product switch process straightforward and efficient. Unfortunately, this... Read more Reviewed on: 8th February 2026

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About this product

Virgin Money provides a range of financial services, including mortgages. It’s important to understand the Ts and Cs and interest rate of a mortgage. Remember to consult the lender or an independent advisor if you have any questions or need help understanding your options.

Your home is likely the largest financial purchase you’ll make in your lifetime. Therefore, it’s important that you find the right mortgage lender and product. We collect Virgin Money mortgage reviews to help you make an informed decision when taking out your mortgage.

If you’re considering Virgin Money as your new mortgage provider, learn more on the Smart Money People site. Find out why homeowners chose Virgin Money and which mortgage they have. Learn about the application process and whether it ran smoothly or perhaps took longer than anticipated. Read about any challenges they may have experienced throughout their time with the provider. All of this and more can be found in our Virgin Money mortgage reviews.

Did Virgin Money help you purchase your home? Share your honest experience with others by writing a review. Tell us what mortgage you took out and why you chose Virgin Money. Share your experience with the application process - was the lender supportive throughout? Has the lender kept you well informed of any important mortgage news or changes? Would you recommend Virgin Money mortgages to your family and friends? Whether good or bad, write a Virgin Money mortgage review today. Together, we can help people like you make better financial decisions.

Virgin Money Mortgages reviews (92)

Review of the Virgin Money, Mortgages:

Very efficient and excellent rates

Easy process with professional advice, making for an easy transaction Reviewed on: 14th December 2018

Issues switching deals

I’ve been with Virgin Money for many years and previously found the mortgage product switch process straightforward and efficient. Unfortunately, this has changed significantly. I repeatedly select the online product switch option and explicitly choose for the (already very high) product fee to be added to the loan. At the point of submission, there is no indication that anything is wrong. Several days later, however, I receive an SMS stating that the switch cannot proceed unless the product fee is paid upfront. This outcome contradicts the option I selected during the online process. Crucially, customers are not provided with any confirmation or saved record of the options selected during submission — there is no summary page, no downloadable copy, and no audit trail showing which boxes were ticked. This makes it impossible for the customer to verify or evidence that they did not choose the upfront-payment option the bank later claims was selected. I contacted Virgin Money by phone and was advised how to complete the process correctly, which I already do. Despite following these instructions and resubmitting multiple times within a very limited switching window, the same issue continues to occur. This forces customers into unnecessary phone calls and delays and risks them missing narrow product-switch windows, potentially at significant financial cost. Whether this is due to poor system design or a systemic flaw, the process is opaque and unfair to customers. I am extremely disappointed. Based on this experience, I would not recommend Virgin Money as a lender. Reviewed on: 8th February 2026

Awful awful customer service

A mortgage is a mortgage. This review is about how impossible it is to get through to someone when remortgaging. Their website is a joke. Their live chat doesnt work. it is impossible to get through on the phone numbers provided. As poor an experience as could be. Reviewed on: 10th June 2025

We have a flexible repay mortgage interest only - so...

We have a flexible repay mortgage interest only - so helpful when you are self employed Reviewed on: 26th February 2025

All-round competence

Their communications are clear, and they anticipate one's needs. Their rates are also quite competitive. Reviewed on: 24th May 2024

have always had a pleasant experience.

have always had a pleasant experience. Reviewed on: 15th April 2024

Took over £1000 in error from us

Virgin mortgages took £1,169.30 in error from my current account. No apology, no compensation. We are now in are over draft and after trying to get through 3 times, finally we’re told it was a glitch in their system and it would be refunded in 10 working days. Not good enough. Very unhappy customer Reviewed on: 5th January 2024

Loss for words

I will never use Virgin Mortgages again and will NEVER recommend. My husband has the mortgage of our home in his name solely. We would like me adding to it. No additional borrowing. They have now decided that our 2 incomes As opposed to just his one means we now can’t afford it! How is this even possible!! A total shambles. DO NOT USE Reviewed on: 9th June 2023

They are ok

Virgin money gave the best rate at the time but were quite tricky to get to a final acceptance stage and their online platform isn't very easy to use or stable. Overall ok Reviewed on: 1st June 2023

Worst mortgage company ever

This company offers the worst service possible impossible to get in touch with them via the phone lines are still closed at 09:30 when online it says open at 08:00 and they never respond to any of your queries unless you keep chasing them. Wouldn’t do business with them again if they paid me to Reviewed on: 5th April 2023

Really poor customer service

Communication is patchy, product range difficult to understand, website is clunky and feels like it was designed in the 90s. Reviewed on: 3rd April 2023

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