Write a review

Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.37 (90 reviews)

View other Virgin Money products

3.28

Based on 90 reviews, last reviewed 26th Feb 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

11%

33%

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

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 th... Read more Reviewed on: 5th January 2024

Read all reviews See your review

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 (90)

Review of the Virgin Money, Mortgages:

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

Worse bank i ever dealt with. Stay away

Absolute worse bank i have dealt with. Within a week of opening the business account they have suddenly without warning closed the account and put a 60 days hold on the account. They refused to tell me why, but after pushing they hinted that it is likely due to fact one of my transfers involved crypto. I explained that they had not informed me this was not permitted or I would never have done so. However they were not interested and would not even put me through to complaints. Shockingly aweful. Reviewed on: 15th June 2022

Terrible service,

Got through checks and then left on hold for 4weeks then got through this awaiting mortgage Reviewed on: 13th June 2022

The worst service of any building society

Going to move my isa s with Virgin held on for 45 minutes on three occasions they never answer your call they should be ashamed of them selves excuse large number of calls then just hire more people flashy adds but no service surprised they have any customer they won’t have me I am moving my accounts Reviewed on: 10th June 2022

STAY AWAY!LONG DELAYS

I wish we had read the reviews before making our application, however we trusted a mortgage broker but are currently regretting that decision hugely! our offer was accepted in February, we are not in a chain and now in June still waiting on a mortgage decision. We have made numerous attempts to call virgin ourselves but the call wait times are 60 minutes plus!!! online chat service is quick, however they cannot deal with anything thats in the processing stage so absolutely pointless. People will be loosing out on thousands of pounds going through the buying process only to be destroyed going through the mortgage process with Virgin. STAY CLEAR!!! Reviewed on: 9th June 2022

RUBBISH

Once the product is sold there is no such thing as customer service, down with Virgin, keep away! Reviewed on: 10th January 2022

Do not get a mortgage from virgin money!

I am in the process of getting a mortgage from virgin and i throughly regret choosing this company. Very unprofessional and i have been waiting for 6 weeks for my mortgage to go through with no end in sight. The application was submitted and reviewed on the 22nd of November and it is 4th jan. In addition, the application was sat at the desk for 2 weeks and nothing was done, and i was asked for a letter of urgency to try and push this through, which i have done 4 times. I have to ring the company every other day to ask for an update (50 mins waiting time) but no update available. Completely appalling company and please stay away!! Reviewed on: 4th January 2022

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 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

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 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

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 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

Easy to deal with

Simple online application . Super quick service Reviewed on: 18th June 2021

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Fixed Rate Mortgage
from TSB 4.10 from 17 reviews
Mortgage
from Vida Home Loans 1.34 from 30 reviews
Morgtages
from Platform 1.14 from 56 reviews

There's still more to see!

Virgin Money has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub