Virgin launches new sub-4% rates with cuts of up to 0.34%

The lender has reduced residential and buy-to-let mortgage rates.

Related topics:  Virgin Money,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
22nd September 2025
Virgin Money

Virgin Money is launching new mortgage products and reducing rates across its residential and buy-to-let product ranges by up to 0.34%.

Available from tomorrow, new two-year fixed rates in its residential purchase range launch at 3.99% up to 75% LTV with an £895 fee and 4.24% fee-free.

Elsewhere in the range, selected rates have reduced by up to 0.16%. A 75% LTV five-year fix is down by 16bps to 4.06%. At 80% LTV, two-year fixed now start from 4.07% and five-year fixes at 4.18%, while 90% LTV two and five-year fixes have reduced to 4.52%.

In addition, two and five-year fixes at 95% LTV have reduced by 10bps, now starting from 4.99% and 4.89% respectively with no fees.

In Virgin's remortgage range, 65% LTV two-year fixes are down by up to 0.34% and now start from 3.99%, while five-year fixes have reduced to 4.04%. At 75% LTV, two-year fixed rates have reduced to 4.04% and five-year fixes to 4.08%.

Two-year fixed rate buy-to-let products with a 3% fee have decreased by up to 0.15%, now starting from 2.83% at 60% LTV and 3.04% at 75% LTV.

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