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UPDATES TO OUR PRODUCT TRANSFER WINDOW FOR VIRGIN MONEY AND CLYDESDALE BANK
We wanted to let you know that following a review of our product transfer proposition, we’re changing the application window from six months to four months.
Why are we making this change?
As the rate environment has become more stable, most customers now apply within the last four months of their outgoing product.
A 4-month window still gives your clients time to secure a new deal ahead of product maturity, and we’re confident this will allow you to continue supporting their needs.
Key dates
Customers with products ending on 28 February 2026 will now be able to apply for a product transfer from 1 November 2025, four months before the end of their current product.
Customers with products ending on 31 January 2026, who have been able to apply for a product transfer from 4 August 2025, are not affected by the above changes and can still apply ahead of the change to the four-month period.
| Mortgage Product End Date | Product Transfer Window Opens |
| 31 December 2025 | Currently Open (No Change) |
| 31 January 2026 | Currently Open (No Change) |
| 28 February 2026 | Opens 1 November 2025 |
| 31 March 2026 | Opens 1 December 2025 |
| 30 April 2026 | Opens 1 January 2026 |
To ensure your client’s new rate is ready to start when their current deal ends, you’ll need to submit an application by the 10th of the month before expiry for Virgin Money and by the 15th for Clydesdale Bank.
Any questions?
If you’ve got any questions about product transfers, or have a new case you'd like to discuss, please contact your BDM.
The team at Virgin Money
