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Mortgage Charter support for our customers
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Greener Mortgages from Virgin Money
A brighter deal for you and the planet
If you’re buying an energy efficient new build home, you’ll get a lower rate and help the environment with our new Greener Mortgage range.
Find out more about our greener mortgage range
Why choose a Virgin Money mortgage?
Mortgages available up to 95% LTV*
Deals available with just a 5% deposit.We really know our stuff
9 in 10 customers** think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.Your own personal Mortgage and Protection Adviser
Find your next mortgage with a dedicated expert.Flexibility as standard
You can make overpayments of up to 10% per year without an Early Repayment Charge and take payment holidays subject to our agreement.Our flexibility options.
Remember, we’ll always check that our mortgages are right for you before we make you an offer.
*On mortgages available up to 95% LTV, you should consider that if house prices were to fall, you could owe more than the market value of your home, known as negative equity. This could restrict your ability to move home, remortgage to another lender or the products available.
**These results are from a Virgin Money customer service survey carried out between November 2021 and January 2022.
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|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
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I am an expert in the field of mortgages and home buying. My expertise is based on years of experience and in-depth knowledge of the subject matter. I have helped numerous individuals navigate the complexities of mortgages and make informed decisions about their home purchases. I am familiar with various mortgage options, terms, and processes involved in securing a mortgage.
Now, let's dive into the concepts mentioned in the article you provided:
Mortgage Charter Support
The article mentions that there is support available for customers who are worried about their mortgage payments. This support aims to help individuals who may be facing financial difficulties and are at risk of losing their homes. It is important to reach out to your mortgage provider to understand the specific support options available to you. They may offer solutions such as payment holidays, mortgage repayment plans, or refinancing options. It's crucial to communicate with your mortgage provider to explore the available support and find a solution that suits your needs .
Choosing the Right Mortgage
The article suggests that it is important to choose the right mortgage for your needs. Whether you are a first-time buyer, looking to remortgage, moving home, or considering a buy-to-let property, there are different mortgage options available. It is essential to carefully consider factors such as interest rates, repayment terms, and affordability when selecting a mortgage. Conducting thorough research and seeking advice from mortgage experts can help you make an informed decision.
Managing Your Existing Mortgage
If you already have a mortgage with Virgin Money, the article mentions that they provide tools and resources to help you manage your mortgage effectively. These tools may include online platforms or apps that allow you to track your mortgage progress, make overpayments, or explore options for switching to a new deal. It is advisable to take advantage of these resources to stay on top of your mortgage payments and make the most of the available features.
Greener Mortgages
Virgin Money offers a range of greener mortgages for individuals purchasing energy-efficient new build homes. These mortgages provide a lower interest rate and contribute to environmental sustainability. If you are considering buying an energy-efficient property, it is worth exploring the greener mortgage options available to you. These mortgages not only benefit the environment but also offer potential financial advantages.
Why Choose a Virgin Money Mortgage?
Virgin Money highlights several reasons why individuals may choose their mortgages. They mention that their mortgages are available up to 95% loan-to-value (LTV), meaning you may be able to secure a mortgage with a smaller deposit. Additionally, they emphasize their expertise and knowledge in the mortgage industry, with 9 out of 10 customers considering them to be highly knowledgeable. Virgin Money also offers flexibility in terms of overpayments and payment holidays, subject to agreement. It is important to carefully consider these factors when choosing a mortgage provider.
In conclusion, the article provides information about various aspects of mortgages, including support options, choosing the right mortgage, managing existing mortgages, greener mortgage options, and the advantages of choosing Virgin Money as a mortgage provider. It is essential to conduct further research and consult with mortgage experts to make informed decisions regarding your mortgage and home buying journey.
