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We’re increasing and reducing selected rates

16 February 2026

We wanted to let you know that we’re making the following changes on Tuesday 17 February.

Remortgage

Selected 2 year fixed rates with £999 fee will be reduced by up to 0.16%, starting from 3.84%.
Selected 2 year fixed rate fee-savers will be reduced by up to 0.17%, starting from 4.14%.
Selected 5 year fixed rates with £999 fee will be reduced by up to 0.10%, starting from 3.94%.
Selected 5 year fixed rate fee-savers will be reduced by up to 0.06%, starting from 4.10%.

Purchase

2 year fixed rates with £999 fee will be reduced by up to 0.08%, starting from 3.80%.
2 year fixed rate fee-savers will be reduced by up to 0.07%, starting from 4.01%.
5 year fixed rates with £999 fee will be reduced by up to 0.06%, starting from 3.96%.
5 year fixed rate fee-savers will be reduced by up to 0.13%, starting from 4.04%.
Shared Ownership fixed rates will be reduced by up to 0.13%, starting from 3.82%.

Exclusive BTL

2 year fixed rates with 1% fee will be reduced by up to 0.05%, starting from 3.89%.
2 year fixed rates with 3% fee will be reduced by up to 0.08%, starting from 2.78%.
5 year fixed rates with 1% fee will be increased by up to 0.05%, starting from 4.09%.
5 year fixed rates with 3% fee will be increased by up to 0.04%, starting from 3.63%.
5 year fixed rates with £2,195 fee will be increased by up to 0.07%, starting from 4.07%.

BTL

2 year fixed rates with £995 fee will be reduced by up to 0.19%, starting from 4.12%.
65% & 75% LTV 5 year fixed rates with £995 fee will be reduced by 0.06%, starting from 4.15%.
80% LTV 5 Year Fixed Rate with £995 fee will be increased by 0.08%, to 4.92%.
75% LTV 2 Year Fixed Rate fee-saver will be reduced by 0.20%, to 4.40%.
75% LTV 5 Year Fixed Rate fee-saver will be reduced by 0.14%, to 4.35%.

Product Transfer

Selected 2 year fixed rates will be reduced by up to 0.11%, starting from 3.58%.
Selected 3 year fixed rates will be reduced by up to 0.11%, starting from 3.80%.
Selected 5 year fixed rates will be reduced by up to 0.06%, starting from 3.71%.

BTL Product Transfer

Selected 2 year fixed rates will be increased by up to 0.04%.
Selected 5 year fixed rates will be increased by up to 0.05% or reduced by up to 0.15%.

The end dates will move to 1 June of the relevant year.

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 28/02/26 and you wish to submit a product switch request then this will be rejected as it would result in your client being charged an SVR payment in March.

All other product switch requests for future maturity months will be processed as normal.

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