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Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.34 (91 reviews)

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3.22

Based on 91 reviews, last reviewed 10th Jun 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

48%

11%

34%

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

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 c... Read more Reviewed on: 10th June 2025

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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.

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Virgin Money Mortgages reviews (91)

One Account

An offset mortgage really helps you reduce your mortgage quicker if you stay in the black and nice to have an automatic overdraft when you can't Reviewed on: 2nd February 2023

Worst mortgage provider ever

Do not recommend using this company for mortgages, we have an application for a remortgage on our property and they have honestly been hell to deal with, on going complains since June/july, still not sorted. The underwriters are idiots, the staff don’t know what the hell they are doing, taken us about 53 hours so far and still not sorted, despite excellent credit, preapproval for money back, great books, they are now asking for books that are due in January 31st, irrelevant to our application that aren’t even legally due in, have made a huge complaint to the financial obudsman and they are even having to compensate us all the interest for that last 3 months and still they can’t do there jobs right, AVOID AVOID AVOID! Reviewed on: 16th January 2023

Worst Mortgage provider

I’ve been a buy to let customer for many years now and had nothing but headache and poor customer service from Virgin Money. I’ve moved my business to other companies because the customer service is so bad and when you get a chance to speak with someone they just haven’t got a clue about how to deal with anything. It took me five hours on the phone in total just to get a mortgage statement from them which they kept sending to the wrong address!! How can you lend money and get the address for the house wrong. Now I’m trying to pay the balance and have been waiting on the phone again for 3 hours. Wouldn’t do business with them again even if they paid me Reviewed on: 3rd January 2023

Bad service

Very bad customer service they keeps on hold for a long time then no response Reviewed on: 5th December 2022

Worst bank I have ever seen

Never experienced a worse bank. Staff are rude Reviewed on: 11th November 2022

Terrible customer service

Exceptionally bad customer service Reviewed on: 9th November 2022

Snail like speed and misleading agreement in principle

We applied in April, didnt get a reply until August minimum response time to any questions was 2 weeks. Underwriters asked me to cancel my private health care and pension package through work to "prove it was flexible" our initial agreement in principle was for £380k we asked to borrow £340k and after underwriters had finished messing us around they offered us £290k... where does £90k go missing in the space of a few months despite our incomes going up in that time?! Thank god we also had another mortgage application with NatWest who turned the whole thing around in under a month Reviewed on: 11th September 2022

Shocking timescales for mortgage applications

We really regret using virgin for our mortgage application. We applied 28th June and we are still waiting for any sort of communication from our broker or virgin on the decision!! Our chain is at a critical stage with both side pushing for completion within the next 2 weeks. Getting through to Virgin on the phone is near impossible with 2 hour hold times to get through to someone who can't help, so out through to another team with another 1 hour 40 min wait time! Obscene!! Unsurprisingly they were very quick to take the valuation fee!! Never again will I use Virgin. This really is unacceptable. Reviewed on: 26th July 2022

Unacceptable delay, no communication, about to lose our sale. DO NOT USE FOR MORTGAGES!

Can’t believe a broker would recommend virgin as a lender, it’s now 22 July and our buyers have been waiting for mortgage offer since 2 June. Little to no communication. If our buyers don’t receive their mortgage offer from virgin by end of the month our whole chain will fall through and we will lose our dream house, all because of Virgin money’s ridiculously incompetent processes. They say online it’s 22 days from application to offer.. I asked if this is calendar or working days... they didn’t know!?!? SO incompetent never known anything like this. To put in context, nationwide got our mortgage offer out in 5 days. DO NOT USE VIRGIN!!! Reviewed on: 22nd July 2022

Absolutely rubbish I can believe people are waiting 1 hour on the phone to speak to anyone from customer service. That tells you something Say no more

Absolutely rubbish go elsewhere Reviewed on: 27th June 2022

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