I received an excellent rate however had to push to get it. Customer service is excellent however the online banking system could be improved as I can’t change things without having to call and speak to someone for example.
They offer very competitive interest rates and fees; easy to use online systems; better than other banks with information and over the phone assistance. Have never had anything that I can complain about with Virgin Money in over seven years of being with them.
We have had four providers over the life of our mortgage and found Virgin to be the best. We have access to the redraw facility, and at one stage, needed a mortgage "holiday', which was well received and met with compassion and helpfulness. I would definitely recommend Virgin Money especially as they are quick to pass on any interest rate cuts.
I have been holding home loan with Virgin Money for years now and have never had any problems whatsoever. After 3 Years of loyalty we've got discounted interest rate and there are no fees at all.
Customer service is very slow and now that they are no longer accepting new loans they don't seem to care about service at all - in fact the impression that is given is that the customer is tollerated but they would much rather we take our business elsewhere so that they could shut down the home loan devision. They pass on every rate rise but hardly any of the drops.
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