Get Expert Support for Virgin Money Mortgages
Specialist Support for Virgin Money Mortgages
Virgin Money offers a wide range of residential and buy-to-let mortgages in the UK. Known for competitive rates and flexible lending criteria, Virgin Money supports first-time buyers, movers, and investors. At Mortgage‑Tek, we guide you to Virgin Money’s best deals, ensuring your application is handled efficiently and with expert advice throughout the process.
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Why
Why Virgin Money Mortgage Is a Great Option
Why Virgin Money Could Be the Right Fit for You
Virgin Money is ideal for borrowers seeking competitive rates and straightforward mortgage products. They offer flexibility for self-employed and contractor applicants, as well as support for buy-to-let investors. Virgin Money’s manual underwriting allows for fair assessment of complex income situations, increasing your chances of approval.
Their product range includes fixed and tracker deals, first-time buyer options, remortgage products, and buy-to-let solutions. Partnering with Mortgage‑Tek ensures you access Virgin Money’s most suitable deals while receiving professional guidance.
Criteria of Virgin Money Mortgage
Who Can Apply for a Virgin Money Mortgage?
Broker Requirement
Applications can be made directly or through a broker, though some competitive rates and specialist products are broker-exclusive.
Age Criteria
Minimum 18 years; maximum age typically 85 at the end of the mortgage term.
Residency Status
Must have UK residency or settled status with a verifiable UK address history.
Minimum Income
Residential mortgages: No strict minimum, subject to affordability checks.Â
Self-Employment History
Self-employed borrowers require at least 12 months of trading history with supporting documentation (SA302s, tax returns).
Contractor Criteria
Contractors need current contracts, evidence of income, and history of trading. Some zero-hour contracts may be accepted.
Credit Profile
Clean credit preferred. Minor credit issues may be considered case-by-case.
Property Standards
Properties must meet Virgin Money’s valuation and construction standards.
Affordability Checks
Full affordability and stress tests are applied to ensure responsible lending.
Loan-to-Value (LTV)
Residential and buy-to-let products available up to 95% LTV depending on profile.
Benefits of Securing Virgin Money Mortgage
Why Choose a Mortgage from Virgin Money Mortgage?
Flexible Lending Criteria
Supports self-employed, contractors, and complex income applicants.
Manual Underwriting
Real people assess applications to ensure fair consideration.
Competitive Interest Rates
Offers a wide range of fixed and tracker deals, often with long-term stability.
Buy-to-Let Friendly
Suitable for individual landlords and portfolio investors.
Remortgage Flexibility
Attractive rates for those switching from other lenders.
Long-Term Security
Part of a well-established UK financial institution with experience in mortgages.
Partnering with Virgin Money
Our Role in Securing Your Virgin Money Mortgage
Mortgage‑Tek works closely with Virgin Money to secure the right mortgage for your situation. From initial assessment to final approval, we handle documentation, liaise with underwriters, and provide guidance. This ensures a smoother application, saving you time and increasing the likelihood of approval.
Compare & Find the Right Mortgage For You
Compare Virgin Money with Other UK Mortgage Options
Mortgage Comparison
See how Virgin Money’s flexible products and competitive rates compare with other UK lenders.
Mortgage Quote
Get a personalised quote through Mortgage‑Tek. We assess your situation and show you the best Virgin Money options clearly and quickly.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to get an estimate based on your income, deposit, and monthly commitments. Whether buying your first home, moving, or investing in property, it’s a helpful first step. No credit checks, just instant guidance.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Virgin Money Mortgages?
We’ll help you navigate Virgin Money’s products and secure a mortgage tailored to your financial situation.
Get fast, clear, and personalised advice, and move one step closer to your new home.
FAQ’s
Can I apply directly with Virgin Money?
Yes, but some competitive and specialist products are best accessed through an authorised broker like Mortgage‑Tek.
Our Partner: https://contractormortgagesolutions.co.uk/
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Does Virgin Money accept self-employed or contractor applicants?
Yes. They support complex income scenarios with at least 12 months of trading or contract history and supporting documents.
What is the minimum deposit for Virgin Money mortgages?
First-time buyer and high LTV products may allow deposits as low as 5% depending on eligibility.
Can I remortgage with Virgin Money?
Yes. They provide competitive remortgage rates for switching from other lenders without needing a new valuation in some cases.
Are buy-to-let mortgages available?
Yes. Virgin Money supports individual landlords and portfolio investors, with rental income meeting required ICR thresholds.
How long does it take to get an offer?
Once all documents are submitted, most applications receive an offer within 15–20 working days, subject to valuation and case complexity.
Can Virgin Money accommodate past credit issues?
Minor credit issues may be considered. Each application is assessed individually, ensuring fair consideration.
Are there first-time buyer incentives?
Yes. High LTV products and selected schemes are available to assist first-time buyers in securing their home.
How does Virgin Money assess affordability?
Full affordability checks, stress tests, and evaluation of outgoings are carried out to ensure responsible lending.
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