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Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.34 (91 reviews)

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3.25

Based on 91 reviews, last reviewed 10th Jun 2025

No new 5 star reviews

in the past 90 days

No new 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.

Virgin Money Mortgages reviews (91)

Review of the Virgin Money, Mortgages:

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

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

What a terrible service

Used their mortgage service if that is what you call it and it was awful. Where do I start? 1. I had to repeat all my information via telephone during the application process because my details were not added to my application- other than my name and telephone number. 2. The valuation took place on the 23rd of October and was rejected, but Virgin seemed to instruct the solicitor to get on with the paperwork anyway. Thank God they were paying for them! 3. I was only told that my application had been refused when I called them on the 19th November when a. The first call I made, Adam kept me on hold for 8 minutes or so while he checked…he cut me off. b. The second advisor left me on hold for about 8 minutes to check and then came back to say it was rejected (Lets call this person advisor 1). The following is a summary of what happened next. 4. Advisor 1 said that she was informed that an agent 'apparently called' me on the 1st November but no message was left and no attempt to call me again was ever made. Thank God I called on the 19th November, otherwise I would never have known. 5. Advisor 1 said that she was informed that an agent emailed me on the 1st October, but then they retracted that statement, when I asked for this email to be resent / details of the sender, so I could search for the email. 6. When asked why my application was refused- Advisor 1 said that she was initially told that it was because it was an ex-local authority property- I have a lease of 989 years and the house has been with the same family it was built by who own the freehold. The Solicitor (appointed by Virgin as part of their free service with this mortgage) was also aware of this as they contacted me on the 15th November to confirm who the registered interests according to Land Registry were. 7. I challenged the above and pointed to the evidence that a competent valuer would have access to, such as land registry information to see that the local authority was not registered as the freeholder / local authorities do not offer 1000 (one thousand) year leases. The customer advisor (advisor 1) put me on hold and checked… 8. But her colleague (advisor 2) answered and I had to start the whole conversation again. 9. The customer advisor (advisor 2) checked again…20 minutes later, she claimed to have read the report and no mention of it being ex-Local Authority. So where that did information come from? I enquired – ‘not sure’, ‘she got the information wrong’, ‘she didn’t have access to the report’ was all I got. 10. I was also informed that my property was rejected because it was accessed via external stairs and this is not accepted in their policy. I was very clear in my description of the property when making the application and the initial advisor who I spoke with to check that I could apply, said that he checked it using Google Maps and it seemed fine. Reviewed on: 19th November 2018

Reply from Virgin Money Hello, thanks for getting in touch. I'd like to step in to investigate this further. Please email your name, address and contact number over to [email protected] and I'll pick it up from there. Thanks, Lindsay Response date: 22nd November 2018

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