We’re reducing fixed rates and increasing selected tracker rates

22 April 2026

We wanted to let you know that we’re making the following changes on Thursday 23 April.

Purchase

• 2 year fixed rates will be reduced by up to 0.37%
• 5 year fixed rates will be reduced by up to 0.45%
• 10 year fixed rates will be reduced by 0.40%
• Shared Ownership fixed rates will be reduced by up to 0.45%

Remortgage

• 2 year fixed rates will be reduced by up to 0.32%
• 5 year fixed rates will be reduced by up to 0.35%
• 75% LTV 10 Year Fixed Rate fee-saver will be reduced by 0.25%

BTL Product Transfer

• 60% LTV 5 Year Fixed Rate with £3,995 fee will be reduced by 0.10%
• 60% LTV 5 Year Fixed Rate with £1,495 fee will be reduced by 0.10%
• 75% LTV 5 Year Fixed Rate with £1,495 fee will be reduced by 0.05%

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

Remortgage

• 2 year tracker rates will be increased by up to 0.25%

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

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

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