Right ,

No fancy jargon , straight down to earth opinion - I dont give praise normally having been jaded by years of ineffective and pretty dull or ordinary service. We have had our Virgin One mortgage around 15 years now and I dont run it in conjunction with my current account but I took it because of the flexibility.

Fortunatley over the period I have stayed in employment but by overpaying we nearly completed our mortgage 8-9 years early. We had a small inheritance which helped pay a lump sum off but later when we had nearly finished paying our mortgage , when we needed a new kitchen I decided to borrow a further £8K , it was really easy to arrange when the money hit our current account and I decided to take a gamble on borrowing a little more at 3.6% rather than drawing from savings that were tied up tax free. With extra money since I have been investing in a NS&I product that pays RPI plus 1% PA. So we will see if I can achieve better than 3.6% average over 3 years.

From a customer service point of view the paperwork from Virgin has always been correct and the security and telephone manner of the staff make some of the other banks look like rank amateurs.

They are a very good outfit , top service , not the cheapest but definitely the best value for money ! - Mike