Welcome to Nationwide mortgages
Virgin Money is now part of Nationwide – and we’re delighted to welcome you.
Whether you’re just starting your search or looking for a better deal, our friendly, expert team is here to help you find the right mortgage for you.
Find a mortgage that’s right for you
We offer a range of mortgages to suit different borrowing needs.
And when you choose Nationwide, you’re not just getting a mortgage — you’re becoming a member of a building society that gives back.
Changing lender to Nationwide
Whether your fixed rate is ending or you're simply looking for a better mortgage deal — see if you could save by remortgaging to Nationwide.
First time buyer
Buying your first home is a huge milestone — and we’re here to help you take that first step on the property ladder.
We help more people get their first mortgage than anyone else.*
Moving home
Whether you're relocating, upsizing or downsizing, we’re here to help you find the right mortgage for your next home.
From expert guidance to a range of mortgage options to choose from, we’ll support you at every step.
*Source based on the number of residential first time buyer mortgage completions in the UK by banking brand, January to December 2024. Provided by CACI Ltd Mortgage Market Database.
Ready to get a mortgage with us?
Start with our easy-to-use mortgage calculators – they’ll help you see how much we could lend you and what deals might suit your budget.
Then, when you’re ready to take the next step, get a Decision in Principle — it’s quick, doesn’t affect your credit score, and gives you a clearer idea of what you could borrow.
How much can I borrow?
Our mortgage calculator will give you a rough idea of what you could borrow. It will ask for your main income details, an estimate of the property value and your deposit amount.
Compare mortgage rates
Compare our mortgage rates and find the mortgage deal that’s right for you.
Get a Decision in Principle
A Decision in Principle confirms how much we can lend you. You’ll need one before you can apply for a mortgage with us. The process can take about 20 minutes.
Why we’re different
We are owned by our members, so what matters to them, matters to us. It’s our fundamental difference and what makes us a good way to bank.
More than just a mortgage - be a member too
What being a member meansWhen you take out a mortgage with us, you become a Nationwide member — with a say in how we shape our products and access to mortgage rates as good as, or better than, those for new customers.
Branch promise
Find out more about Branch PromiseWe’re committed to keeping our branches open until at least the start of 2028, because we know face-to-face service matters. That’s why we have the UKs biggest branch network with more branches than any other banking brand.
Helping Hand
Helping Hand mortgagesOur Helping Hand mortgage supported 23,000 first-time buyers between October 2024 and September 2025. It lets you borrow up to 33% more — six times your income — with a 5 or 10-year fixed term. Conditions apply.
Get rewarded for going green
More on Green Additional BorrowingWe’re supporting greener homes with benefits for members buying energy-efficient properties or borrowing more to make eco-friendly improvements. Eligibility applies.
Important:
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
Existing Virgin Money customers
If you’re an existing Virgin Money customer, nothing’s changed - you can switch or manage your mortgage online or by phone.
Mon, Tuesday, Thursday, Friday 9am to 5pm
Wednesday 9:45am to 5pm
Saturday 9am to 1pm
Helpful links
- First time buyer's guide
- Mortgage applications proofs
- Bank of England base rate changes
- Gifted deposits
- Mortgage fees and charges
- Guarantor mortgages
Buy to let
Thinking about buying a property to rent out? Our experts at The Mortgage Works can help you find the right buy to let mortgage.