Virgin Money Offset Mortgages

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.41%Reverts to 3.75% after 2 years

Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Virgin Money offer offset mortgages through their partnership with One Account. Virgin Money also offer a more standard repayment mortgage through Church House Trust, one of their subsidiaries.


Many other different banks and building societies also provide offset mortgages alongside Virgin Money, and It is therefore advisable that you take the time to compare offset mortgages from a number of other different lenders before purchasing one. 


Feel free to make use of the mortgage calculator below, which show some similar deals from other providers:


About you
Your income
Partner income
Income = £57,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £120,000
Your loan to value (LTV) = 72%
Your mortgage
Mortgage Type
Payment Method
Payment Term

No mortgages were found which match these requirements. Please use the search form above to find mortgages which suit your precise requirements.

Through Virgin Money’s offset mortgages, customers can:

  • Combine their mortgage, current account, savings loans and credit cards
  • Repay their mortgages early without being penalised
  • Have access to flexible payment options
  • Use online services to check the repayment progress of the mortgage
  • Have access to One Account insurance products such as home insurance, repayment protection insurance and life insurance.


If you are interested in applying for Virgin Money’s offset mortgage through One Account, then you will need to meet the following criteria:

  • UK resident aged 18 or over with more than 5 years before retirement
  • You must own or be buying a property in England, Scotland or Wales
  • You must borrow a minimum amount of £30,000
  • You must not purchase this product for a right-to-buy, buy-to-let or part owned housing association property


Virgin Money is the financial services arm of the Virgin Group.  The company is UK based and offers a large number of financial products and services worldwide.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker