We're increasing and withdrawing selected Virgin Money rates

04 September 2025

We wanted to let you know that we’re making the following rate increases on Friday 5 September.

Exclusive Purchase

75% LTV 5 year fixed rates will be increased by up to 0.22%, starting from 4.22%.
80% LTV 2 & 5 year fixed rates will be increased by up to 0.17%, starting from 4.14%.
85% LTV 5 Year Fixed Rate with £895 fee will be increased by 0.13%, to 4.29%.
90% LTV 2 & 5 year fixed rates will be increased by up to 0.17%, starting from 4.55%.
95% LTV 2 Year Fixed Rate fee-saver will be increased by 0.06%, to 4.99%.

Purchase

95% LTV 2 & 5 year fixed rates will be increased by up to 0.10%, starting from 4.99%.
Shared Ownership fixed rates will be increased by 0.10%, starting from 4.18%.

BTL

2 & 5 year fixed rates with £2,195 fee will be increased by up to 0.15%, starting from 4.07%.
60% LTV 2 & 5 year fixed rates with 1% fee will be increased by 0.10%, starting from 4.03%.
60% & 75% LTV 2 & 5 year fixed rates with £995 fee will be increased by 0.10%, starting from 4.26%.
2 & 5 year fixed rate fee-savers will be increased by 0.10%, starting from 4.57%.

Product Transfer

Selected 2 & 3 year fixed rates will be increased by up to 0.10%, starting from 3.84%.
Selected 5 year fixed rates will be increased by up to 0.13%, starting from 3.91%.
65% & 75% LTV 2 year fixed rates with £1,995 fee now with a minimum loan size of £200,000.
65% & 75% LTV 5 year fixed rates with £1,995 fee now with a minimum loan size of £100,000.
BTL fixed rates will be increased by 0.05%, starting from 3.82%.

We’ll also be making these changes at 8pm today:

Exclusive Remortgage

If you’re applying for one of these products on behalf of your customer, please send us the application by 8pm today.

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