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Virgin Money 5-Year Everyday Fixed Cashback Mortgage full review!
Do you need a mortgage with prequalification and cashback? If so, read our Virgin Money 5-Year Everyday Fixed Cashback Mortgage review to see the pros and cons!
Virgin Money 5-Year Everyday Fixed Cashback Mortgage: Cashback!
Are you in the market for a mortgage but want to make sure you get some cash back from your deal? Read our Virgin Money 5-Year Everyday Fixed Cashback Mortgage review to learn more!
How to apply for the Virgin Money 5-Year Mortgage?
Are you looking for a mortgage with cashback and perks? If so, read on to apply for the Virgin Money 5-Year Everyday Fixed Cashback Mortgage!
| Requirements* | You’ll need to be a UK resident for 3 years or more; Have paid all your bills; You can’t have been bankrupt, had debt management, and others; You’ll be able to check if you prequalify with no credit score harm; There can be other requirements. *Terms apply. |
| Loan Type | Mortgage. |
| Loan Amounts | The amounts depend on your financial situation. |
| Terms* | Each calendar year, you can pay as much as 20% of your mortgage total in lump sums or monthly installments without incurring a penalty. *Terms apply. |
| Rates* | The initial interest rate of 4.97% (until Aug 2028). Current rate: 8.24%; The overall cost for comparison: 6.90% APRC; There is an early repayment charge: 3.50%; There are no product fees; Mortgage exit fee: £50; There can be other fees. *Terms apply. |
| Minimum deposit | N/A. |
This full review will provide all of the details you need to make an informed choice about whether this mortgage is right for you. So, keep reading to learn more!
How does the Virgin Money 5-Year Everyday Fixed Cashback Mortgage work?
With the Virgin Money 5-Year Everyday Fixed Cashback Mortgage, you’ll be able to earn £500 Cashback to cover your valuation fee or others!
Moreover, you can make one-off regular payments for up to 20% of your mortgage balance each calendar year. Also, you can do this with no prepayment penalties.
In addition, you won’t need to pay any product fees!
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Virgin Money 5-Year Everyday Fixed Cashback Mortgage benefits
As we mentioned, this mortgage can offer incredible perks. So, you’ll be able to earn cashback to cover your valuation costs and others!
Also, you’ll be able to talk to their mortgage advisor to understand more about the terms!
However, this mortgage also has some downsides. So, read the pros and cons list below in our Virgin Money 5-Year Everyday Fixed Cashback Mortgage review to learn more!
Pros
- You’ll be able to check if you prequalify for this mortgage with no credit score harm;
- There is the chance for you to earn £500 cashback available to cover your valuation fee;
- You can talk to a mortgage advisor during the mortgage period and before you apply for it.
Cons
- There could be more information regarding the interest rates;
- You’ll need to pay prepayment penalty fees depending on the time you make your repayments.
Should you apply for the Virgin Money 5-Year Everyday Fixed Cashback Mortgage?
If you’re looking for a mortgage plan that can give you cashback and other perks, this can be the right one for you. Moreover, you’ll be able to check if you prequalify with no credit score harm.
Therefore, you’ll be able to talk to one of their mortgage advisors to understand more about the terms and conditions regarding the mortgage.
However, you won’t be able to qualify if you ever had been bankrupt or had a debt management plan and others.
How to apply for the Virgin Money 5-Year Everyday Fixed Cashback Mortgage?
You can easily apply for the Virgin Money 5-Year Everyday Fixed Cashback Mortgage through their official phone number.
However, you’ll be able to check if you prequalify online before you complete the application. Also, the prequalification won’t harm your credit score!
How to apply for the Virgin Money 5-Year Mortgage?
Are you looking for a mortgage with cashback and perks? If so, read on to apply for the Virgin Money 5-Year Everyday Fixed Cashback Mortgage!
About the author / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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