Virgin increases residential and buy-to-let rates by up to 0.22%

The lender has removed several sub-4% rates as part of the latest rate increases.

Related topics:  Virgin Money,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
5th September 2025
Virgin Money

Virgin Money has announced a series of rate increases across its residential and buy-to-let mortgage ranges.

In its exclusive purchase range, the largest increase of 0.22% is to a 75% LTV five-year fixed rate, now starting from 4.22%.

80% LTV two and five-year fixed rates have increased by up to 0.17%, starting from 4.14%, and a five-year fix at 85% LTV has risen by 13bps to 4.29%.

90% LTV fixed rates have increased by up to 0.17%, now starting from 4.55%, while a fee-free two-year fix at 95% LTV has increased by 6bps to 4.99%.

In Virgin's standard purchase range, 95% LTV and shared ownership rates have both increased by up to 0.10%.

Across buy-to-let, two and five-year fixed rates with a £2,195 fee have risen by up to 0.15%, now starting from 4.07%.

60% LTV rates with a 1% fee are up by 0.10%, now starting from 4.03%, alongside 60% and 75% LTV rates with a £995 fee which have also risen by 0.10% and now start from 4.26%.

Two and five-year fixed rate fee-savers have also increased by 0.10%, starting from 4.57%.

For product transfers, selected two, three and five-year fixed rate residential products have increased by up to 13bps, starting from 3.91%.

In addition, 65% and 75% LTV two-year fixed rates with a £1,995 fee now have a minimum loan size of £200,000 and five-year fixed rates have a minimum loan size of £100,000.

As part of the changes, Virgin is withdrawing selected 75% LTV exclusive remortgage rates.

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