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Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.34 (91 reviews)

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3.23

Based on 91 reviews, last reviewed 10th Jun 2025

100% decrease in 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)

Great product

Great rates and perfect customer service. Reviewed on: 12th January 2019

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

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 informed and the necessary affordability and credit checks were thourough. I was very pleased with the overall experience. Reviewed on: 16th December 2018

Great service

Quick and easy to arrange mortgage. Competitive rates Reviewed on: 14th December 2018

Very efficient and excellent rates

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

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

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

Good mortgage

Good mortgage company, I really like them Reviewed on: 7th December 2018

Timewasting shambolic and incompetent

Absolute shower. Totally wasted our time and money for a mortgage application, sent us several e-mails littered with errors, and in the end turned us down because they cocked up all along. Apparently all covered by us not using their broker service, as by all accounts that's a disclaimer which permits being entirely incompetent. Reviewed on: 4th December 2018

Reply from Virgin Money Hi there, we'd be more than happy to take a look at this for you. Can you email your details to [email protected] and we'll take it from there? Thanks, Holly Response date: 5th December 2018

What a shambles Virgin money is - Steer well clear

Wow - reading some of the reviews here I thank my lucky stars! I managed to get terrible service before I'd even spent a penny! A close shave, here's my story of woe... I tried to activate my card and received possibly the worst service ever from a bank or card provider to a new customer. I started by activating online, but the text never came through. I then switched to calling to activate, the very same agent that activated the card then failed me on security so that i could not proceed, the funny thing is, the security question i failed on was about a previous transaction on the card, but i had only just activated it with that agent so how could there be any transactions for me to give them? So, because of this i immediately asked to shut the account and they made that difficult too! Shoddy - I'll go to First Direct, customer service really matters and you don't get treated like this, we are a number to Virgin and i can decide where I buy. I'll buy where customer service is good. Forget offers, they mean nothing without common sense policies and if this is how Virgin treat new customers I dread to think what happens if there's a problem. What a shambles.... So glad i never spent a penny with them! If i could give them zero stars I would.... Reviewed on: 26th November 2018

Reply from Virgin Money Hi Karl, I understand this is already getting looked into at the moment and we'll be in touch with any updates. Thanks, Lindsay Response date: 28th November 2018

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