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

Remortgage

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

Purchase

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

Exclusive BTL

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

BTL

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

Product Transfer

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

BTL Product Transfer

  • Selected 2 year fixed rates have been increased by up to 0.04%.
  • Selected 5 year fixed rates have been increased by up to 0.05% or reduced by up to 0.15%.

End dates have moved to 1 June of the relevant year.

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.

This site is just for mortgage brokers. Not a broker? Head to virginmoney.com.