The paid VPN services that you are seeing are VPN servers which you would connect your computer to as a client.
What you want is to run your own VPN server on your network which you can them connect your phone or laptop to as clients.
You can either run your virgin hub in bypass/Bridge mode and connect another router to it that supports openvpn. Or you can run openvpn on a computer/raspberry pi on your network.
You will need a dynamic dns service to update your ip address as it changes. Something like noip.com. You can set the router to do this.
One thing to be aware of is that virgin have been assigning ipv6 addresses to many customers using carrier Nat. It doesn't give you a public ipv6 address, it gives you an ipv6 address that their network can translate so they can share addresses between customers, so you can't access your network from the Internet. The solution is to call them and ask to but put back off ds-lite.
See this for more detail
About to leave UPC due to (lack of) port forwarding - Boards.ie
You may not be on it but something to keep in mind.