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We wanted to let you know that we’re making the following changes on Tuesday 9 December.
Exclusive Purchase
- 80% LTV 2 Year Fixed Rate with £895 fee will be reduced by 0.07%, to 3.86%.
- 80% LTV 2 Year Fixed Rate fee-saver will be reduced by 0.08%, to 4.05%.
- 90% LTV 2 Year Fixed Rate fee-saver will be reduced by 0.09%, to 4.23%.
- 75% LTV 5 Year Fixed Rate with £895 fee will be reduced by 0.10%, to 3.89%.
- 80% LTV 5 Year Fixed Rate with £895 fee will be reduced by 0.10%, to 3.99%.
- 75% LTV 5 Year Fixed Rate fee-saver will be reduced by 0.14%, to 3.99%.
- 80% LTV 5 Year Fixed Rate fee-saver will be reduced by 0.10%, to 4.07%.
- 90% LTV 5 Year Fixed Rate fee-saver will be reduced by 0.03%, to 4.31%.
Purchase
- 2 year fixed rates with £999 fee will be reduced by up to 0.16%, starting from 3.91%.
- 2 year fixed rate fee-savers will be reduced by up to 0.17%, starting from 4.11%.
- 5 year fixed rates with £999 fee will be reduced by up to 0.25%, starting from 4.00%.
- 5 year fixed rate fee-savers will be reduced by up to 0.26%, starting from 4.07%.
- Selected Shared Ownership fixed rates will be reduced by up to 0.14%, starting from 4.03%.
Remortgage
- Selected 2 year fixed rates with £999 fee will be reduced by up to 0.09%, starting from 3.84%.
- Selected 2 year fixed rate fee-savers will be reduced by up to 0.09%, starting from 4.18%.
- Selected 5 year fixed rates with £999 fee will be reduced by up to 0.09%, starting from 3.92%.
- Selected 5 year fixed rate fee-savers will be reduced by up to 0.09%, starting from 4.09%.
Product Transfer
- Selected 2 year fixed rates will be reduced by up to 0.07%, starting from 3.55%.
- Selected 3 year fixed rates will be reduced by up to 0.10%, starting from 3.80%.
- Selected 5 year fixed rates will be reduced by up to 0.10%, starting from 3.66%.
We’ll also be withdrawing the following products at 8pm today:
Exclusive Purchase
- 85% LTV 5 Year Fixed Rate with £895 fee at 4.17% will be withdrawn.
- Retrofit Boost deals will be withdrawn.
- Own New deals will be withdrawn.
Exclusive Remortgage
- Retrofit Boost deals will be withdrawn.
Exclusive BTL
- Retrofit Boost deals will be withdrawn.
If you’re applying for one of these products on behalf of your customer, please send us the application by 8pm today.
IMPORTANT: If a previously submitted Product Transfer is due to complete 31/12/25 and you wish to submit a product switch request then this must be received by Virgin Money no later than the 10 December.
Product Switch requests received after this date for accounts due to complete on 31/12/25 will be rejected as this would result in your client being charged an SVR payment in January.
You can find our current rates in our Product Guide. If you’ve got any questions, you can get in touch with your Business Development Manager or dedicated Mortgage Service Team.
The team at Virgin Money
