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Best Virgin Money Remortgage Deals 2026

Virgin Money is a mainstream lender known for competitive rates and a slightly more flexible approach to complex income and larger loans than some high-street rivals. This guide covers the best Virgin Money remortgage deals in 2026 and the alternatives to compare.

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Quick Answer: Best Virgin Money Remortgage Deals in 2026

Virgin Money remortgage rates in 2026 are typically 4.7%-5.2% for a 2-year fix and 4.5%-4.9% for a 5-year fix at 75% LTV. Virgin Money is known for flexibility on complex income, larger loans and professional borrowers (doctors, accountants, lawyers), plus generous income multiples for high earners. Best for borrowers whose case doesn't fit the strictest automated lenders. Compare against Halifax, Santander and Nationwide.

Why Choose Virgin Money for Your Remortgage

Virgin Money's strengths for remortgaging:

If your income is straightforward, you'll find Virgin Money simply competitive; if it's complex, its flexibility can be the difference between approval and decline.

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Gary from London

"Easier Than Expected"

Gary, London
★★★★★
"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
Katie from London

"Done In No Time"

Katie, London
★★★★★
"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
★★★★★
"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

"Happy Saving"

Lucy, Tamworth
★★★★★
"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

Virgin Money Remortgage Rates by LTV (2026)

LTV bandTypical 2-yr fixTypical 5-yr fix
60% LTV4.5-4.9%4.3-4.7%
75% LTV4.7-5.2%4.5-4.9%
85% LTV5.0-5.5%4.8-5.2%
90% LTV5.3-5.8%5.0-5.5%

Virgin Money also offers exclusive deals via brokers and a strong large-loan range above £1m, where its rates and criteria are particularly competitive.

Who Virgin Money Suits Best

Virgin Money is ideal for:

For very simple cases, compare its rate against Halifax, Barclays and Nationwide — the cheapest varies.

Best Alternatives to Virgin Money

Compare Virgin Money against:

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Virgin Money remortgage rates in 2026 are typically 4.7%-5.2% for a 2-year fix and 4.5%-4.9% for a 5-year fix at 75% LTV, with the lowest rates at 60% LTV. Virgin Money also has a competitive large-loan range above £1m. Rates change frequently, so compare against Nationwide, Santander and Halifax for the live best-buy for your profile.

Yes — Virgin Money is known for being more flexible on complex income than the strictest automated lenders. It considers bonuses, commission, multiple income sources and self-employed cases more readily, and offers a professional mortgage range with enhanced income multiples for qualified professionals. This makes it a strong choice when your case doesn't fit a tick-box high-street lender.

Yes — Virgin Money has a professional mortgage range with favourable terms and enhanced income multiples for qualified professionals such as doctors, dentists, accountants, lawyers and chartered surveyors. This can mean a larger loan than standard criteria allow, recognising the strong earning trajectory of these careers. Eligibility depends on your qualification and role.

Yes — Virgin Money was acquired by Nationwide Building Society in 2024, though it continues to operate as a separate brand with its own products, rates and criteria. The two are priced and underwritten independently for now, so it's worth comparing both. Virgin Money's strengths remain complex income, professional borrowers and large loans.

Yes — Virgin Money has a competitive large-loan range for mortgages above £1m, with sharp rates and a more flexible approach to high-net-worth and professional borrowers than some rivals. If you're remortgaging a high-value property, Virgin Money is well worth including in your comparison alongside HSBC, Barclays and private banks.

Virgin Money is best for borrowers with complex income (bonuses, commission, self-employment), qualified professionals who qualify for its enhanced multiples, higher earners seeking larger loans, and large-loan borrowers above £1m. For simple, clean cases, compare its rate against Halifax, Barclays and its parent Nationwide, as the cheapest deal varies by profile.

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