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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:

Mortgage Choice

I cannot thank Virgin Money enough for the simple way it was to both apply and get this mortgage at extremely competitive rastes too. Reviewed on: 16th November 2017

Great service and support

Can't fault them. Delivered quickly and positively. Reviewed on: 1st September 2016

Quality products you can trust

I have savings and a mortgage with Virgin and have found the quality of the product to be very good along with great customer service Reviewed on: 1st September 2016

Good but needs an app

Have no problems, however you are a bit behind the times in that you have no app for my virgin money credit card and also it would be nice to be able to see somewhere my remaining mortgage balance in possibly an app also or even online Reviewed on: 1st September 2016

Great company

1st time buyer and i got a mortgage with a great rate, great customer service too Reviewed on: 31st August 2016

Slow process to set-up, OK since going live

Virgin asked too many spurious questions and poorly interpreted the info we provided which delayed the process unnecessarily. Once up and running the process has been smooth enough. The test will come when we apply for another mortgage with them - o see if they have learned or have streamlined their process for an existing customer Reviewed on: 31st August 2016

Transfer

I needed to do a balance transfer from a previous credit card Reviewed on: 30th August 2016

Great price & service

I have my mortgage and my travel insurance with Virgin and have been very happy with the service and the pricing. Reviewed on: 30th August 2016

Effective online bank.

Flexible online access. Very pleased. Reviewed on: 30th August 2016

They are very good at lending money.

They are very long in processing documents but in the it is worth it. Reviewed on: 25th August 2016

Buy to let mortgage

In Feb 2016 I had offers accepted on two properties that I was intending to use as Buy to Lets. The seller of one house wished to continue to live in the house as a tenant while she sought another property to buy. The seller of the other house wished to continue to live in the house as a tenant in the medium - long term This seemed to be ideal situations that would save me having to find new tenants so I was very happy to agree. I applied for two Buy to Let Mortgages from Virgin Money and paid for a Home Buyers report on one propert, but after some 10 days, I was told that this situation (the seller staying on as a tenant) breached their lending criteria. Virgin Money refused to explain why this was a problem. The seller of one property said that she would move into temporary accommodation to help the sale to go through. I therefore told Virgin Money that I wished to proceed with this application and that I would find another mortgage provider for the other property (the Leeds Building Society were quite happy to lend on this basis). Virgin Money responded by saying that both of my applications were declined despite the seller agreeing to move out. I have been seeking an explanation from Virgin Money since Feb (it is now the end of June) but they have refused to supply one, suggesting that if I am unhappy, I should contact the Financial Ombudsman. I do not think that it is a matter for the Ombudsman but I do think that it is appalling Customer Service and I would be very interested to hear of other experiences with Virgin Money Reviewed on: 5th July 2016

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