Virgin Money has grown into a highly competitive mortgage lender, known for great fixed rates, flexible underwriting, and products designed for modern employment types. Whether you’re a first-time buyer, a professional, or a contractor, Virgin Money offers strong affordability and smooth processing.
At Mortgage Knight, we frequently use Virgin Money for clients who need a lender that can handle slightly complex income, self-employment, or who simply want a competitive deal with cashback and low fees.
Whether you’re a contractor, professional, or first-time buyer with a modest deposit, Virgin Money delivers flexible lending with excellent rates and fast decisions.
Speak to Mortgage Knight today to see if Virgin is the right fit — and we’ll help you lock in a competitive mortgage with confidence.
A: Yes. Virgin Money accepts 2 years of trading history, with income assessed via SA302s, accounts, or accountant’s reference. They are flexible with business structure.
A: Yes. Contractors are welcome — affordability is calculated using contract value (e.g. day rate × 5 × 46 weeks) or your average payslips if paid through an umbrella company.
A: Virgin offers mortgages from 5% deposit (95% LTV) for eligible applicants. Better rates become available at 10–25%+ deposits.
A: Yes. Virgin Money is flexible with variable income — often allowing 100% if it’s regular and supported by payslips and bank statements.
A: Many Virgin Money remortgage products include free legal work, free valuation, and cashback options, helping you switch with minimal cost.
A: Yes. Cor even giftapital raising is available for purposes like home improvements, debt consolidation, ed deposits for a family purchase.
A: Many of Virgin Money’s most competitive deals are exclusive to brokers. Working with Mortgage Knight ensures your case is packaged correctly and approved quickly.
