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Relax knowing you'll pay the same
even if interest rates change
with a fixed rate mortgage

Monthly repayments will remain the same for the duration of the fixed rate period. A range of fixed rate and other mortgages available. Applicants must be aged 18 or over. All loans are subject to status. UK residents only.

Find out more

Clydesdale Bank, Yorkshire Bank, B and Virgin Money are becoming one bank

In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale).If you have any products with Virgin Money, we need you to read some information before your apply.

Find out more (opens in a new window)

You've seen the rate you like, now find out if we could potentially lend you the amount you need with an Agreement in Principle.

If you'd like more information on the mortgages we offer, you can view all our mortgages or use our calculators to get an indication of how much you could borrow and estimate your monthly repayments.

Please note we cannot provide an Agreement in Principle for interest only or buy-to-let mortgages. See our range of buy-to-let mortgages for more information.

Agreement in Principle

A mortgage Agreement in Principle is the first step towards your mortgage. It provides you with an indication of whether we could lend you the amount you need to borrow.

It only takes around 10 minutes to complete the form and get a result. We’ll ask about your income and regular spending. We will undertake a soft credit search which has no impact on your credit file.

The information you provide will allow us to, in principle, agree to the amount you could borrow. If you then decide to apply for one of our mortgages, we’ll ask you to provide more detailed information about your circumstances.

An Agreement in Principle doesn’t guarantee you will be successful in a mortgage application, but it can give you an idea of how much we may be able to lend.

Who can apply

  • UK and EU residents aged 18 and over
  • First time buyers
  • Home movers
  • Borrowing more on existing mortgage
  • Moving your mortgage from another provider
  • Only available for residential properties in the UK (excluding Northern Ireland)
  • Using sterling income or assets only to repay the mortgage

Discover your mortgage potential in less than 10 minutes

Request an Agreement in Principle (opens in a new window)

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

Your home may be repossessed if you do not keep up repayments on your mortgage

If you already have an Agreement in Principle and would like to speak to one of our mortgage advisers call us on 0800 022 4313.

Your next steps

Give us a call

  • If you've got any questions, get in touch.

    New mortgage customers

    0800 022 4313

    Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm

    Existing mortgage customers

    0800 121 4203

    Mon-Fri 8am-5pm