We’re launching new deals and withdrawing selected rates
26 January 2026
We wanted to let you know that we’re making the following changes on Tuesday 27 January.
BTL Product Transfer
- NEW 2 year fixed rates with £1,495 fee will be launched, starting from 3.84%.
- NEW 3 year fixed rates with £1,495 fee will be launched, starting from 3.89%.
- NEW 5 year fixed rates with £1,495 fee will be launched, starting from 4.04%.
- 2 year fixed rates with £3,995 fee will be reduced by up to 0.33%, starting from 3.54%.
- 2 year fixed rate fee-savers will be reduced by 0.27%, starting from 4.25%.
- 3 year fixed rate fee-savers will be reduced by 0.26%, starting from 4.19%.
- 60% LTV 5 Year Fixed Rate with £3,995 fee will be increased by 0.08%, to 3.89%.
- 75% LTV 5 Year Fixed Rate with £3,995 fee will be reduced by 0.12%, to 3.94%.
- 5 year fixed rate fee-savers will be reduced by 0.15%, starting from 4.14%.
We’ll also be withdrawing the following products at 8pm today:
BTL Product Transfer
- 2 year fixed rates with £995 fee will be withdrawn.
- 5 year fixed rates with £995 fee will be withdrawn.
- 2 year fixed rates with £1,995 fee will be withdrawn.
- 3 year fixed rates with £1,995 fee will be withdrawn.
- 5 year fixed rates with £1,995 fee will be withdrawn.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.
Update to our offer extension policy
From Friday 30 January 2026 we will no longer accept offer extension requests on new-build applications. This aligns new-build policy with other property types.
Just as a reminder, our new-build offer validity period is 210 days, which remains unchanged.
We will continue to consider offer extension requests for all new-build cases where the original application is submitted before 8pm on Thursday 29 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
