We’re increasing and withdrawing selected rates

15 September 2026

We wanted to let you know that we’re making the following changes on Wednesday 16 September.

Purchase

• 65% LTV 2 & 5 year fixed rates with £999 fee will be withdrawn
• 65% LTV 2 & 5 year fixed rate fee-savers will be withdrawn
• 65% LTV 2 Year Tracker Rate with £999 fee will be withdrawn
• 65% LTV 2 Year Tracker Rate fee-saver will be withdrawn
• 2 year fixed rates will be increased by up to 0.18%
• 5 year fixed rates will be increased by up to 0.13%

Remortgage

• 65% LTV 2 & 5 year fixed rates with £999 fee will be withdrawn
• 65% LTV 2 & 5 year fixed rate fee-savers will be withdrawn
• 65% LTV 2 Year Tracker Rate with £999 fee will be withdrawn
• 65% LTV 2 Year Tracker Rate fee-saver will be withdrawn
• 2 year fixed rates will be increased by up to 0.21%
• 5 year fixed rates will be increased by up to 0.21%

Product Transfer

• 65% & 75% LTV 2 & 5 year fixed rates with £1,999 fee will be withdrawn
• 65% LTV 2, 3, 5 & 10 year fixed rates with £999 fee will be withdrawn
• 65% LTV 2, 3, 5 & 10 year fixed rate fee-savers will be withdrawn
• 65% LTV 2 Year Tracker Rate with £999 fee will be withdrawn
• 65% LTV 2 Year Tracker Rate fee-saver will be withdrawn
• 2, 3 & 5 year fixed rates will be increased by up to 0.15%
• 10 year fixed rates will be increased by 0.10%

BTL Product Transfer

• 2 year fixed rates will be increased by up to 0.33%
• 3 year fixed rates will be increased by up to 0.30%
• 5 year fixed rates will be increased by up to 0.35%

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

We’ll also be launching the following products at 8pm today:

Purchase

• 60% LTV 2 Year Fixed Rate with £999 fee, at 5.03%
• 60% LTV 2 Year Fixed Rate fee-saver, at 5.24%
• 60% LTV 5 Year Fixed Rate with £999 fee, at 4.99%
• 60% LTV 5 Year Fixed Rate fee-saver, at 5.11%
• 60% LTV 2 Year Tracker Rate with £999 fee, at 4.24%
• 60% LTV 2 Year Tracker Rate fee-saver, at 4.84%

Remortgage

• 60% LTV 2 Year Fixed Rate with £999 fee, at 5.06%
• 60% LTV 2 Year Fixed Rate fee-saver, at 5.34%
• 60% LTV 5 Year Fixed Rate with £999 fee, at 5.09%
• 60% LTV 5 Year Fixed Rate fee-saver, at 5.19%
• 60% LTV 2 Year Tracker Rate with £999 fee, at 4.24%
• 60% LTV 2 Year Tracker Rate fee-saver, at 4.89%

Product Transfer

• 60% LTV 2 Year Fixed Rate with £999 fee, at 4.81%
• 60% LTV 2 Year Fixed Rate fee-saver, at 5.08%
• 60% LTV 3 Year Fixed Rate with £999 fee, at 4.79%
• 60% LTV 3 Year Fixed Rate fee-saver, at 5.05%
• 60% LTV 5 Year Fixed Rate with £999 fee, at 4.89%
• 60% LTV 5 Year Fixed Rate fee-saver, at 5.04%
• 60% LTV 10 Year Fixed Rate with £999 fee, at 5.09%
• 60% LTV 10 Year Fixed Rate fee-saver, at 5.19%
• 60% LTV 2 Year Tracker Rate with £999 fee, at 4.05%
• 60% LTV 2 Year Tracker Rate fee-saver, at 4.69%

The end dates will move to 1 December 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