ALL OUR MORTGAGES ISSUE 73 VALID FROM 25.09.15 BTL EXCLUSIVE 2 YEAR FIXED RATE AT 2.19% UP TO 60% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional intermediaries who are authorised or exempt by the Financial Conduct Authority. The products described in this guide are available through professional intermediaries only. This is not a financial promotion and should not be displayed as such. People who do not have professional experience of mortgage products should not rely on this guide. This product guide does not include APRs which consumers need when selecting a mortgage product. Details of our APRs can be found when applying for a product from your mortgage sourcing system.
WHAT HAS CHANGED On Friday 25 September 2015 we made the following changes to our product ranges: Intermediary Exclusive changes summary: > New BTL products at 60% with cashback, including: at 2.19% with a 1,995 fee at 2.55% with a 995 fee at 3.24% with a 1,995 fee at 3.44% with a 995 fee at 2.29% with a 995 fee Core range changes summary: > at 90% reduced to 2.97% with a 995 fee and 300 cashback for purchase customers ( cashback for First Time Buyers) > Selected 3 year fixed rates at 85% and 90% with a 995 fee reduced by up to 0.20%, including: 85% deal available at 2.48% with 300 cashback for purchase customers 90% deal available at 3.25% with 300 cashback for purchase customers ( cashback for First Time Buyers) > Selected 5 year fixed rates at 85% and 90% with a 995 fee reduced by up to 0.13%, including: 85% deal available at 3.03% with 300 cashback for purchase customers 90% deal available at 3.55% with 300 cashback for purchase customers ( cashback for First Time Buyers) The 99 application fee remains waived from all core and exclusive residential deals for a limited period. End dates remain unchanged at uary of the relevant year across the full product range. THERE ARE PARTNERSHIPS. AND THERE ARE VIRGIN MONEY PARTNERSHIPS. At Virgin Money, our mortgage business relies on our intermediary partners. So we re keen to work that bit harder for you. That means offering you our very best products, not keeping the best deals to help us find new customers ourselves. It means paying you fairly for the work you do for us. It means making our lending policy easy to understand and giving you direct access to policy experts. And it means not just meeting our SLAs, but beating them where we can. In fact, we will do everything in our power to help you build your business. Because when you thrive, we do too. That s a Virgin Money partnership. Read on to find out more or talk to your dedicated Business Development Manager. READ ON TO FIND OUT MORE 2
INTERMEDIARY EXCLUSIVE RESIDENTIAL RATES As some mortgage products are better suited to the intermediary channel we often offer these exclusively through you. These deals are available to intermediaries registered with Mortgage Clubs and networks appointed to Virgin Money s National Account Panel. Key product features: > Residential fixed rates available up to 85%, with a choice of fee options > The 99 application has been waived from all residential deals for a limited period > Selected deals come with cashback > Free basic valuation and free standard legal work for all residential remortgage customers > Flexible features your clients can make overpayments and apply for payment holidays (subject to criteria)* Intermediary Exclusive products are not available to customers who are porting. Everyday Purchase Range Fee Option Reverting Until Early Repayment Charge Cashback Notes New Build 4 Year 65% 1.59% 995 0 2.5% of the 80% 1.99% 995 300 85% 2.24% 995 1,000 85% 2.14% 995 65% 2.25% 75% 2.69% 995 Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2020 2.5% of the 4% of the 2020 0 loan 1m (subject to limits of lending policy) loan 1m (subject to limits of lending policy). Only available to customers purchasing a new build home Min loan 150,000 and max loan 1m (subject to limits of lending policy) 60% 2.29% 1,995 65% 2.33% 1,495 5% of the 0 Min loan 300,000 and max loan 1m (subject to limits of lending policy) Min loan 150,000 and max loan 1m (subject to limits of lending policy THERE ARE SOME OF OUR MORTGAGES. AND THERE ARE ALL OF OUR MORTGAGES. We offer intermediaries our very best products. We don t keep the best deals to help us find new customers ourselves. And we know that some mortgage products may be more suited to the intermediary channel, so we ll offer these exclusively through you. *Flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. 3
INTERMEDIARY EXCLUSIVE RESIDENTIAL RATES Everyday Remortgage Range 4 Year 65% 1.59% 995 80% 1.99% 995 65% 2.25% 75% 2.69% Fee Option 995 60% 2.29% 1,995 65% 2.33% 1,495 Reverting Until Early Repayment Charge Notes Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2020 2.5% of the outstanding 4% of the outstanding 2020 5% of the outstanding loan 1m (subject to limits of lending policy) Min loan 150,000 and max loan 1m (subject to limits of lending policy) Min loan 300,000 and max loan 1m (subject to limits of lending policy) Min loan 150,000 and max loan 1m (subject to limits of lending policy) INTERMEDIARY EXCLUSIVE BUY TO LET RATES Everyday Purchase and Remortgage Range Fee Option 60% 2.19% 1,995 60% 2.55% 995 60% 3.24% 1,995 60% 3.44% 995 Reverting Until Early Repayment Charge Cashback Notes Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) for the life of the loan Everyday Purchase and Remortgage Range 60% 2.29% (BoE + 1.79%) Fee Option 995 2.5% of the outstanding 5% of the outstanding Reverting Until Early Repayment Charge Cashback Notes Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) for the life of the loan 1% of the outstanding loan 1m (subject to limits of lending policy) loan 1m (subject to limits of lending policy) THERE S LIP SERVICE. AND THERE S DEDICATED SERVICE. We have dedicated service teams on hand, who know your area and know your cases. And we have one of the largest teams of BDMs in the business, checking you are happy, listening to your feedback and ready to support you with whatever you need. That s why we won 5 stars at the 2014 Financial Adviser Service Awards. 4
EVERYDAY RESIDENTIAL RATES Simple, straightforward residential mortgages designed to fit a range of needs. Key product features: > and tracker deals available up to 95%, with a choice of fee options > The 99 application fee has been waived from all residential deals for a limited period > imum loan size of 1m > Selected deals come with cashback > Free basic valuation and free standard legal work for all residential remortgage customers > Flexible features your clients can make overpayments and apply for payment holidays (subject to criteria)* Everyday Purchase Range 995 Fee Options Fee Saver Options Cashback Cashback Reverting Until Early Repayment Charge 65% 1.85% 0 2.09% 0 70% 1.99% 0 2.24% 0 75% 2.02% 0 2.85% 0 80% 2.04% 300 3.29% 0 85% 2.05% 300 3.35% 0 2.5% of the 90% 2.97% 300 ( for first time buyers) 3.39% 300 95% n/a n/a 4.59% 300 65% 1.99% 0 2.74% 0 70% 2.16% 0 2.85% 0 75% 2.24% 0 2.89% 0 80% 2.28% 300 3.69% 0 85% 2.48% 300 3.75% 0 90% 3.25% 300 ( for first time buyers) 3.79% 300 95% n/a n/a 5.09% 300 Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2019 3.5% of the 2019 65% 2.37% 0 2.75% 0 70% 2.54% 0 2.98% 0 75% 2.69% 0 3.39% 0 80% 2.74% 300 3.79% 0 85% 3.03% 300 3.85% 0 5% of the 90% 3.55% 300 ( for first time buyers) 3.89% 300 95% n/a n/a 5.14% 300 *Flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. 5
EVERYDAY RESIDENTIAL RATES Everyday Remortgage Range with 995 Fee with Fee Saver Option Reverting Until Early Repayment Charge 65% 1.85% 2.09% 70% 1.99% 2.24% 75% 2.02% 2.85% 80% 2.04% 3.29% 2.5% of the outstanding 85% 2.05% 3.35% 90% 2.97% 3.39% 65% 1.99% 2.74% 70% 2.16% 2.85% 75% 2.24% 2.89% 80% 2.28% 3.69% 85% 2.48% 3.75% 90% 3.25% 3.79% Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2019 3.5% of the outstanding 2019 65% 2.37% 2.75% 70% 2.54% 2.98% 75% 2.69% 3.39% 80% 2.74% 3.79% 5% of the outstanding 85% 3.03% 3.85% 90% 3.55% 3.89% Everyday Remortgage Range with 1,495 Fee with 495 Fee Reverting Until Early Repayment Charge 70% 2.44% n/a 80% n/a 2.94% Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 5% of the outstanding 6
EVERYDAY RESIDENTIAL RATES Everyday Purchase Range with 995 Fee with Fee Saver Option Reverting Until 70% 1.44% (BoE + 0.94%) 2.19% (BoE + 1.69%) 75% 1.59% (BoE + 1.09%) 2.49% (BoE + 1.99%) 80% 1.69% (BoE + 1.19%) 3.19% (BoE + 2.69%) 70% 1.79% (BoE + 1.29%) 2.59% (BoE + 2.09%) 75% 1.89% (BoE + 1.39%) 2.89% (BoE + 2.39%) 80% 2.19% (BoE + 1.69%) 3.69% (BoE + 3.19%) Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2019 Early Repayment Charge 1% of the outstanding 1% of the outstanding 2019 Everyday Remortgage Range with 995 Fee with Fee Saver Option Reverting Until 65% 1.39% (BoE + 0.89%) 2.09% (BoE + 1.59%) 70% 1.44% (BoE + 0.94%) 2.19% (BoE + 1.69%) 75% 1.59% (BoE + 1.09%) 2.49% (BoE + 1.99%) 80% 1.69% (BoE + 1.19%) 3.19% (BoE + 2.69%) 65% 1.74% (BoE + 1.24%) 2.49% (BoE + 1.99%) 70% 1.79% (BoE + 1.29%) 2.59% (BoE + 2.09%) 75% 1.89% (BoE + 1.39%) 2.89% (BoE + 2.39%) 80% 2.19% (BoE + 1.69%) 3.69% (BoE + 3.19%) Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2019 Early Repayment Charge 1% of the outstanding 1% of the outstanding 2019 THERE S PAY. AND THERE S A FAIR DAY S PAY. We understand that writing mortgage business these days is taking more time. So we ve made sure that our procuration fees reflect that, rewarding you properly for the work you need to put in. And don t forget, as a Virgin Money partner, you automatically have access to a range of deals and discounts from the Virgin Group. 7
HELP TO BUY: EQUITY LOAN RATES Equity loan residential mortgages available for customers in England, Scotland and Wales looking to purchase a new build home. The Government loans up to 20% of the property value, with a mortgage making up the remaining 75% of the funds. Key product features: > rates available up to 75%, with a choice of fee options > The 99 application fee has been waived from all residential deals for a limited period > Selected deals come with cashback > Minimum and maximum loan sizes vary, see notes section for each product > Flexible features your clients can make overpayments and apply for payment holidays (subject to criteria)* > The Offer of Loan period for all Help to Buy: equity loan applications is six months (26 weeks). If the construction of your client s new build property is delayed we may be able to provide an Offer extension for six months > Customers buying a new build property may receive an incentive up to and including 5% of the purchase price without affecting the loan amount. For full details of the incentives we accept, please visit the intermediary website Everyday Purchase Range 75% Fee Option Reverting Until Early Repayment Charge Cashback Notes 2.04% 2.59% 995 2.5% of the 0 Following the 2.49% period, the loan will revert 0 2.48% 995 to Virgin Money s Standard Variable (currently 3.5% of the 2.79% 0 4.79%) for the life of the 2019 2019 loan 2.83% 995 5% of the 3.03% 0 Everyday Stamp Duty Buster Purchase Range** 75% 2.84% 2.99% 3.15% Fee Option 995 Reverting Until Early Repayment Charge Cashback Notes Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 2019 2.5% of the 3.5% of the 2019 5% of the 2,500 loan 450,000 (subject to limits of lending policy) Min loan 93,750 and max loan 187,500 (subject to limits of the lending policy) FOR MORE INFORMATION ON THE HELP TO BUY SCHEME AND CRITERIA, PLEASE VISIT THE INTERMEDIARY WEBSITE THERE S SLA. AND THERE S PDQ. We want you to know we are committed to getting offers to your customers as soon as we can in fact, within 10 working days of receiving a fullypackaged application. So if we don t meet this SLA, we will give your customer 100. That s a promise one that should keep us on our toes. * Flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. ** Cashback can also be used as a contribution to Land and Buildings Transaction Tax in Scotland. Full terms and conditions at virginmoneyforintermediaries.com 8
EVERYDAY FREEDOM TO FIX RESIDENTIAL RATES For those who want to benefit from a tracker while interest rates are low, but might want to change to a fixed rate in the future without incurring an Early Repayment Charge. Key product features: > deals available up to 80%, with a 995 fee > The 99 application fee has been waived from all residential deals for a limited period > imum loan size of 1m > Free basic valuation and free standard legal work for all residential remortgage customers > Flexible features your clients can make overpayments and apply for payment holidays (subject to criteria)* Everyday Freedom to Fix Purchase Range with 995 Fee Reverting Until Early Repayment Charge 70% 1.54% (BoE + 1.04%) Following the period, 75% 1.69% (BoE + 1.19%) the loan will revert to Virgin Money s Standard Variable (currently 80% 2.09% (BoE + 1.59%) 4.79%) for the life of the loan 1% of the Everyday Freedom to Fix Remortgage Range with 995 Fee Reverting Until Early Repayment Charge 65% 1.49% (BoE + 0.99%) 70% 1.54% (BoE + 1.04%) 75% 1.69% (BoE + 1.19%) 80% 2.09% (BoE + 1.59%) Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan 1% of the FLEXIBLE RESIDENTIAL RATES Residential mortgages ideal for clients looking to secure more flexibility. As their lives change, so too can their mortgage, allowing them to choose whatever works for them at the time. Key product features: > deals available up to 80%, with a 995 fee > The 99 application fee has been waived from all residential deals for a limited period > imum loan size of 1m > Free basic valuation and free standard legal work for all residential remortgage customers > Fully flexible your clients can make overpayments and apply for payment holidays, underpayments and borrow back (subject to criteria)* Flexible Purchase Range with 995 Fee 70% 3.65% (BoE + 3.15%) Following the period, 75% 3.89% (BoE + 3.39%) the loan will revert to Virgin Money s Standard Variable (currently 80% 4.69% (BoE + 4.19%) 4.79%) for the life of the loan Flexible Remortgage Range with 995 Fee Reverting Until Early Repayment Charge 1% of the original loan amount until Reverting Until Early Repayment Charge 65% 2.99% (BoE + 2.49%) 70% 3.65% (BoE + 3.15%) 75% 3.89% (BoE + 3.39%) 80% 4.69% (BoE + 4.19%) Following the period, the loan will revert to Virgin Money s Standard Variable (currently 4.79%) for the life of the loan *Flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. 1% of the original loan amount until 9
EVERYDAY BUY TO LET RATES Whether your clients are keen to get into property or hoping to expand their portfolios, why not give them a helping hand with one of our buy-to-let mortgages designed to fit a range of needs. Key product features: > and tracker deals available up to 75%, with a choice of fee options > All deals come with cashback > imum loan size of 1m > Flexible features your clients can make overpayments and apply for payment holidays (subject to criteria)* which can be useful to offset rental voids Everyday Flat-fee options 1995 Fee Options 995 Fee Options Fee Saver Options Reverting Cashback Cashback Cashback Until Early Repayment Charge 60% n/a n/a n/a n/a 3.09% 400 60% 2.29% 2.69% 3.59% 70% 2.63% 2.99% 3.74% 75% 2.89% 3.49% 4.49% 60% 2.79% 2.99% 3.95% 70% 2.99% 3.35% 4.19% 75% 3.30% 3.85% 5.14% 60% n/a n/a n/a n/a 3.89% 400 60% 3.39% 3.65% 4.29% 70% 3.69% 3.79% 4.39% 75% 3.79% 4.09% 5.24% Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) for the life of the loan 2019 2.5% of the 3.5% of the 2019 5% of the Everyday Percentage fee options 60% 2.34% 2.5% Fee Options 2.0% Fee Options Cashback Cashback 2.99% 70% 2.69% 3.19% 75% 3.39% 4.19% 60% 3.69% 3.79% 70% 3.85% 3.99% 75% 4.40% 4.59% 60% 3.79% 3.99% 70% 4.09% 4.29% 75% 4.49% 4.89% Reverting Until Early Repayment Charge Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) for the life of the loan 2019 2.5% of the 3.5% of the 2019 5% of the *Flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. Available for loans of 100,000 or more and we have waived the 99 application fee. 10
EVERYDAY BUY TO LET RATES Everyday Flat-fee options 995 Fee Options Cashback Reverting Until Early Repayment Charge 60% 2.49% (BoE + 1.99%) 70% 2.74% (BoE + 2.24%) 75% 2.79% (BoE + 2.29%) Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) for the life of the loan 1% of the Everyday Percentage fee options 2.5% Fee Options 2.0% Fee Options Cashback Cashback Reverting Until Early Repayment Charge 60% 1.99% (BoE + 1.49%) 2.89% (BoE + 2.39%) 70% 2.29% (BoE + 1.79%) 2.99% (BoE + 2.49%) 75% 3.35% (BoE + 2.85%) 3.95% (BoE + 3.45%) Following the period, the loan will revert to Virgin Money s Buy To Let Variable (currently 4.99%) 1% of the THERE S SORRY, PRODUCT WITHDRAWN. AND THERE S 24 HOURS NOTICE. We will give you at least 24 hours notice before we increase the rates on our mortgage deals. We will never just pull these products without letting you know first. That way you and your customers know exactly where you stand. 11
VALUATION FEES Valuation/Purchase price Basic Valuation Report fee HomeBuyers Report fee Up to 60,000 112 270 60,001-100,000 132 311 100,001-150,000 163 352 150,001-200,000 188 398 200,001-250,000 214 444 250,001-,000 275 510,001-750,000 331 561 750,001-1,000,000 377 612 1,000,001-1,500,000 510 817 1,500,001-2,000,000 663 1,021 2,000,001-2,500,000 817 1,225 2,500, 001-3,000,000 970 1,531 Over 3,000,000 By negotiation By negotiation The Basic Valuation Report fee includes the VAT charged to Virgin Money by the valuer. The HomeBuyers Report fee is made up of two elements: > The Basic Valuation Report fee (as above) > The additional cost of the HomeBuyers Report, on which VAT is charged to the applicant Please note, the valuation fee(s) above are based on the actual property valuation. MAXIMUM LIMITS imum loan to value Residential Purchase Residential Remortgage BTL Purchase and Remortgage Valuation or purchase price, whichever is lower 0-,000,000+ Interest Only 70% 70% Repayment 95% 80% Interest Only 70% 70% Repayment 90% 80% Interest Only 75% 75% Repayment 75% 75% LENDING POLICY For full details of our lending policy, please visit the intermediary website or download our A-Z Lending Policy App and get instant easy access to our policy on the go. 12
MORTGAGES THAT OFFER MORE Flexible features Life is full of change, which is why all our mortgages come with flexible features, allowing your clients to choose whatever works for them at the time. Please note, flexible features are subject to Virgin Money s agreement and the terms and conditions of your client s mortgage. Overpayments Overpayments are a great way for your clients to reduce the amount they owe, save interest and potentially repay earlier than planned. They are available on both our Residential and Buy To Let mortgages: > Everyday products overpayments of up to 10% of the outstanding balance per calendar year, with no Early Repayment Charge. > Flexible products unlimited, charge-free overpayments can be made regularly or as a lump sum, providing the loan is not redeemed in full. Payment holidays From parental leave to emergency boiler repairs, payment holidays are a great way for your clients to free up some money when they need it most. Again, they are available on both our Residential and Buy To Let mortgages: > For every nine consecutive full mortgage payments, your client can arrange one payment holiday and up to a maximum of three payment holidays after 27 consecutive full payments. > Interest will still be charged during the month of the payment holiday, and a payment holiday will increase the outstanding balance on which future interest charges are calculated. > Payment holidays will be allowed based on your client s ability to repay the revised total mortgage balance and the new monthly payment based on their circumstances at the time. Underpayments and borrow back Another useful feature of our Flexible products is the option to make an underpayment, or borrow back previous overpayments: > If your client has made overpayments, they can apply to make a lower monthly payment or stop their monthly payment until the overpayment is used up. > They can apply to borrow back some or all of the overpayments they have made ( minimum). Any money they borrow back is charged the same rate of interest as their mortgage. Portable products All mortgages within our current range are fully portable, allowing clients to transfer their rate to their new property and take their Virgin Money mortgage with them. > If they need to borrow an additional amount for the new property, they can apply for any new product available at the time that is within the same product family as their main loan, e.g. Everyday or Flexible. > Clients can also take on a completely new product for the whole loan of their new property. Please note, an Early Repayment Charge may apply, subject to the original mortgage terms and conditions. For more information, please visit the intermediary website. switching Once your client s application is submitted, we will reserve funding for their chosen mortgage on the product selected. If your client wishes to change products, their subsequent choice must come from the same product range. Your client will not be able to switch to a product from a previous or later range. Additional fees All residential and BTL mortgages are subject to a non-refundable 99 application fee unless stated otherwise. If your client s mortgage is redeemed or ported before the full mortgage term ends, a mortgage exit fee of 50 will be payable on redemption of their mortgage to cover the administrative cost incurred by Virgin Money. For full details of our mortgage fees, please visit the intermediary website and view the Tariff of Mortgages. Free valuation and legals All our standard residential remortgages come with a free basic valuation and free legal work from our panel of approved solicitors. Please note a physical valuation may not be instructed on all remortgage cases. Purchase clients will be required to pay the valuation fee and cover their legal fees. For full details of the valuation fee scale, please see page 10. Cashback From time to time we may offer a cash incentive on completion for selected products to help your clients with the costs related to buying a new property. The cashback incentive is not available to customers who are porting, including when taking additional borrowing. Loyalty discount Once a customer has had their residential mortgage with us for seven years, a Loyalty Discount is available provided that they do not continue to benefit from a special rate (such as a product discount, a Guaranteed, or ) or other product benefit (such as a cashback) and they are not within an Early Repayment Charge period. The Loyalty Discount will be at least 0.25% off Virgin Money s current Standard Variable for the rest of the life of the loan. The current Loyalty is 4.54% (effective from 1 March 2009). If a customer moves home and takes a new mortgage product with Virgin Money (or they transfer their existing mortgage to their new home) they will lose the benefit of any time that has accrued towards the calculation of the seven years. Virgin Group discounts As a Virgin Money Intermediary Partner, you can enjoy a range of offers from across the Virgin Group. And don t forget to tell your clients they can take advantage of these offers too when they become a Virgin Money customer. 13
SUBMITTING BUSINESS Virgin Money Online (VMO) All applications can be submitted via VMO, which allows you to complete case details without being connected to the internet. Once your case is submitted you can keep up to date with its progress through our email update service and improved case tracking facilities. Our case management services also provide a range of archiving and storage options to meet your compliance needs. Porting applications with additional borrowing where the additional borrowing is on a separate product to the main mortgage loan must use a paper application. For details of how to install VMO onto your desktop or laptop, please visit our website. Mortgage Trading Exchange (MTE) Virgin Money offer full form submission for mortgage applications via the Mortgage Trading Exchange (MTE). Supporting documents We know that no one likes to waste time on unnecessary administration, especially when you could be spending that time with your clients. So, please scan and send all supporting documents to docs@virginmoney.com and please remember to include the 8-digit mortgage/case number in the subject field of your email to us. Or you can post these to: Mortgage Processing Virgin Money plc Jubilee House Gosforth Newcastle upon Tyne NE3 4PL If we do not receive supporting documentation, this could cause delays. Sending additional documents we haven t requested may also cause delays. GETTING IN TOUCH Our website Our easy-to-use website with a handy Q&A section is a great first step, whatever stage your application is at. You will also find a comprehensive guide of our lending policy here. Just visit virginmoneyforintermediaries.com Depending on your query, here are all the other ways to get in touch: VMO Case Tracking Get the information you need without having to make a call. Case Tracking allows you to see everything available to our BDMs, and with updates through VMO and by email three times a day, you will always know what stage your application is at. For VMO support call 0345 602 8348* Intermediary Relationship Support For any queries before submitting an application, please call our Intermediary Relationship Support Team on 0345 600 1516,* or fax us on 0345 603 5885. They are here from 8.30am to 6pm, Monday to Friday, excluding Bank Holidays. Procuration Fee For any questions about your Procuration Fee, please email: procuration.fees@virginmoney.com * Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded. And your dedicated Business Development Manager is always around to help. For professional Intermediary use only. This description of Virgin Money s mortgages is directed at professional intermediaries who are authorised or exempt by the Financial Conduct Authority. The products described in this guide are available, through professional intermediaries only. This is not a financial promotion and should not be displayed as such. People who do not have professional experience of mortgage products should not rely on this guide. Virgin Money plc Registered in England and Wales (Company No. 6952311). Registered Office Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. VMP90V90 (valid from 25.09.15) 14