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Virgin Buy to let mortgage

Virgin Buy to let mortgage

Virgin Buy to Let Mortgage

Virgin Money is part of the Virgin Group.

Virgin are committed to offering great products and good service

We do not charge any broker fees. If you are interested in a buy to let mortgage with Virgin please fill in our enquiry form

Virgin are currently offering the following market beating rates...

5 year fixed rate at 2.99%

Typical APRC 4.52%

Borrow up to 60% of value

Purchase or remortgage

1995 lender fee

750 cash-back

No broker fees

Fill in our enquiry form now

Virgin Money was initially established under the name VIrgin Direct is 1995. It rapidly expanded in 2012 when Virgin purchased Northern Rock


At least one borrower must have a UK residential mortgage.

No first-time buyers (never owned a property before).

Minimum combined income of at least 25,000 per year (excluding income from let property)

Evidence of income is required in all cases

Virgin will accept student lets providing there are no more than 4 students and the property is not in a student suburb location, with limited private ownership

Property is acceptable in England, Scotland, Wales or Northern Ireland.

Virgin use a Buy to Let affordability rate - the higher of 5.99% or the product rate to work out the annual mortgage costs.

The rent must be greater than the mortgage balance x Buy to Let affordability rate x 125%.

Virgin Lending Criteria

Virgin will occasionally negotiate special deals with finance houses such as Legal and General and Sesame Bankhall . We have access to these deals

Some examples of buy to let mortgages from Virgin
Virgin  2 year fix at 1.98%

Typical APRC 4.72%
Borrowing up to 60% of property value
1995 Lenders fee
750 cash-back

Virgin  2 year fix at 2.38%

Typical APRC 4.77%
Borrowing up to 75% of property value
1995 Lenders fee
500 cash-back