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You and your mortgage

If you're an existing Virgin Money Mortgage customer, enquiring about your current property, please visit our Existing Customer section of the website.

The maximum age is 78 with a 7 year term

The maximum age is 78 with a 7 year term

Age plus term cannot exceed 85 years

Including this one, how many mortgaged buy-to-let properties will you own? Including this one, how many mortgaged buy-to-let properties do you own?


About your property



Based on your loan size and monthly rental income, it is unlikely we will be able to lend you the full amount. Can you increase your deposit or reduce the loan size? To see how much we can lend based on this rent and loan size please continue.
Before you proceed...

Based on the details you have provided, it is unlikely we will be able to offer you the full loan size you have asked for. If you provide us with details of your personal expenditure and property portfolio we can take this into account and it often increases how much we can lend you.

You can proceed without doing this, but you won't increase the amount we could lend you.

Where personal income is used for affordability, a minimum combined gross income of £50,000 is required.

This would be a mortgage of less than £15,000. Please give us a call so we can discuss your needs in detail, small mortgages may not be the most cost effective option for you.

Remember to deduct costs like stamp duty, solicitor's fees, and moving costs.

This would be a mortgage of less than £15,000. Please give us a call so we can discuss your needs in detail, small mortgages may not be the most cost effective option for you.
This extends into your retirement and/or past age 67. To ensure the mortgage remains affordable for you, we will ask for your future pension income rather than any current work-related income.
As you intend to borrow more than 85% of the property value, please note that any builders cash incentives will not count towards your deposit.

Please note: You must have permission from the 2nd applicant to enter their details. Up to four people can apply. Please input the details of the two highest wage earners.

Your finances

We are happy to accept applications from up to 4 people. If there are more than 2 applicants, we just need the details of the two highest earners.


Please note, you and other applicants (if applicable) must jointly earn at least £25,000 per year excluding rental income received from buy-to-let properties. Where personal income is used for affordability, a minimum combined gross income of £50,000 is required.

When you apply, we'll need to see 2 years of completed accounts. When you apply, we'll need to see 2 years of completed accounts. And if you're lucky enough to need a £1 million plus loan, evidence you've been trading for at least 3 years.
As you are borrowing into retirement/past age 67 please provide your future pension income only, please exclude any current work-related income.

Please include any disability benefit income. However, we wouldn't be able to accept any other benefits or tax credits. If there is no income, please enter 0.

As you are borrowing into retirement/past age 67 please provide your future pension income only, please exclude any current work-related income.

e.g. bonus, commission, second jobs or overtime

Your spending

Please tell us about any financial commitments.

A dependant is someone who is financially dependent on you, e.g. your partner (unless named as a joint applicant) or your children.

A dependant is someone who is not named on your mortgage but is supported financially by you, e.g. your partner (unless named as a joint applicant) or your children.

per month

We just need to know the specific costs listed, so please don't enter basics like food, clothing etc. If you have none, please enter 0.

Enter '0' if not applicable.

per month

Enter '0' if not applicable.

Enter '0' if not applicable.

per month

For example car loans or hire purchase agreements. Enter '0' if not applicable.

Second applicant's finances
When you apply, we'll need to see 2 years of completed accounts. When you apply, we'll need to see 2 years of completed accounts. And if you're lucky enough to need a £1 million plus loan, evidence you've been trading for at least 3 years.
As you are borrowing into retirement/past age 67 please provide your future pension income only, please exclude any current work-related income.

Please include any disability benefit income. However, we wouldn't be able to accept any other benefits or tax credits. If there is no income, please enter 0.

As you are borrowing into retirement/past age 67 please provide your future pension income only, please exclude any current work-related income.

e.g. bonus, commission, second jobs or overtime

Second applicant's spending

Please tell us about any expenses this applicant will still have when the new mortgage begins.

A dependant is someone who is financially dependent on you, e.g. your partner (unless named as a joint applicant) or your children.

A dependant is someone who is not named on your mortgage but is supported financially by you, e.g. your partner (unless named as a joint applicant) or your children.

per month

We just need to know the specific costs listed, so please don't enter basics like food, clothing etc. If you have none, please enter 0.

Enter '0' if not applicable.

per month

Enter '0' if not applicable.

Enter '0' if not applicable.

per month

For example car loans or hire purchase agreements. Enter '0' if not applicable.

Other buy-to-let properties
per month
per month
Your residential properties



Enter '0' if not applicable.

Property 1
Property 2
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