How to register with this lender as a new user
To register with Virgin Money, please complete the form available via this link
How to add Mortgage Club as a payment route with this lender
To add Legal & General as a payment route, please complete the form available via this link
How to contact this lender
You can find our current rates in our Mortgage Update (447kb pdf) and full details of our lending criteria on our website. If you’ve got any questions, you can get in touch with your Business Development Manager.
You can also discuss a new application and check the progress of your existing cases through live chat.
Procuration Fees
| Fee received from lender (Gross fee) | We'll pay you (Net fee) | |
|---|---|---|
| Standard products including ported products | 0.500% | 0.450% |
| Buy to Let | 0.500% | 0.450% |
| Product Transfer | 0.380% | 0.350% |
| Shared Ownership | 0.500% | 0.450% |
These proc fee rates only apply to cases submitted via Virgin Money.
Who we are
For us, being a good partner means putting your needs at the heart of our decisions and recognising what’s important to you – our products, our pricing and our service.
We understand that choice is important. That’s why we offer a wide range of products and features.
And don’t forget, you have access to a field BDM and a telephone BDM meaning you can get the right support when you need it.
What we do
New Build
We lend up to 90% LTV for new build houses and 75% LTV for new build flats.
Cash incentives are accepted up to 5% for 90% LTV and below with unlimited non-cash incentives accepted.
We support affordable housing schemes inc Shared Ownership up to 95% (inc New build)
Self Employed
We use share of net-profit after tax + salary.
Contractors
Minimum income of £50k is required. We’ll calculate income at day rate x5 x 46 weeks.
BTL
Portfolio straight balance swaps with no additional borrowing won’t need a business plan, cash flow or full portfolio details.