Virgin Money Mortgages
High-street (now part of Nationwide)Acquired by Nationwide in 2024. Distinct brand and product range, including stretched income multiples for higher earners.
Where Virgin Money is strong
- Stretched income multiples (up to 5.5×) for higher earners
- 95% LTV options
- Some New Build flexibility
- Competitive 2-year fixed range
Niche
Higher earners needing income stretch, mainstream FTBs.
Quirks worth knowing
Post-Nationwide acquisition, criteria may shift — check current rules with a broker.
Documents
Standard pack.
Who Virgin Money suits
Higher earners, FTBs, mainstream residential.
How to access Virgin Money's rates
For current Virgin Money mortgage rates and an indication of whether they\'d lend to you, a mortgage adviser can pull live quotes during a 15-minute call. The headline rate you see advertised is rarely the one offered — your LTV, term, credit profile and property type all change pricing.
Most whole-of-market brokers have access to Virgin Money via the broker channel. Request a callback for a real adviser quote.
Compare with other UK lenders
Frequently asked questions
Can I apply to Virgin Money via a mortgage broker? +
Yes — most UK whole-of-market brokers have access to Virgin Money's broker-channel products. Some lender-direct deals may differ.
Is Virgin Money good for first-time buyers? +
Yes — Virgin Money is a recognised lender for first-time buyers. Acquired by Nationwide in 2024. Distinct brand and product range, including stretched income multiples for higher earners.
What documents does Virgin Money need? +
Standard pack.
Will Virgin Money accept my income type? +
Virgin Money's strengths include: Stretched income multiples (up to 5.5×) for higher earners. A mortgage adviser can confirm if your specific income pattern matches their criteria — request a callback below.
How long does a Virgin Money mortgage take? +
Most UK mortgages take 2–6 weeks from full application to offer. Product transfers with your existing lender are usually much faster — often same-day to 5 working days.