Virgin Money

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 or dedicated Regional Service Team.

You can also discuss a new application and check the progress of your existing cases through live chat.

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.


Minimum income of £50k is required. We’ll calculate income at day rate x5 x 46 weeks.


Portfolio straight balance swaps with no additional borrowing won’t need a business plan, cash flow or full portfolio details.

Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
Standard products including ported products0.500%0.450%
Buy to Let0.500%0.450%
Product Transfer0.380%0.350%
Shared Ownership0.500%0.450%
These proc fee rates only apply to cases submitted via Virgin Money.