Virgin Money Mortgage Rates July 2025 – Fixed Rate Cuts Announced

Virgin Money Mortgage Rates July 2025 – Fixed Rate Reductions

Virgin Money mortgage rates July 2025 have been reduced across a wide range of fixed-rate products, effective from 24 July 2025. Whether you’re buying your first home, remortgaging, or investing in buy-to-let property, these new lower rates offer valuable savings and flexible options for a range of borrowers.

Virgin Money July 2025 Mortgage Rate Highlights

• Purchase Mortgages (Up to 95% LTV)
  • 2 Year Fixed Rate (fee-saver): Reduced by 0.10% to 4.94%
  • 5 Year Fixed Rate (fee-saver): Reduced by 0.10% to 4.69%
• Remortgage Deals
  • Selected 2 Year Fixed Rates: Reduced by up to 0.15%, from 4.09%
  • Selected 5 Year Fixed Rates: Reduced by up to 0.05%, from 4.11%
• Buy-to-Let (BTL) Mortgages (75% LTV)
  • 2 Year Fixed Rate (1% fee): Reduced by 0.05% to 4.09%
  • 5 Year Fixed Rate (3% fee): Reduced by 0.07% to 3.75%
• Product Transfers
  • 1 Year Fixed Rates: Reduced by 0.15%, from 4.99%
  • Selected 2 & 3 Year Fixed Rates: Reduced by up to 0.15%, from 3.74%
  • Selected 5 Year Fixed Rates: Reduced by up to 0.12%, from 3.78%

How Virgin Money July 2025 Rate Cuts Impact Borrowers

• First-Time Buyers: Reduced rates up to 95% LTV support applicants with smaller deposits.
• Remortgagers: Lower fixed rates provide opportunities to reduce monthly payments and secure longer-term certainty.
• Buy-to-Let Investors: Competitive deals at 75% LTV with both low and higher fee options for portfolio flexibility.
• Existing Virgin Money Borrowers: Multiple reductions on product transfers help you save when switching deals at renewal.

Promotion & Policy Details to Note

Virgin Money’s latest changes focus on market competitiveness and supporting a broad spectrum of borrowers. Key points to note:

• Product Transfer Cutoff: If your current Virgin Money mortgage is set to complete on 31/07/25, it is now too late to request a product switch. Doing so could result in moving onto the lender’s higher Standard Variable Rate (SVR).
• Product Guides: The complete suite of current rates is detailed in the lender’s Product Guide.

Looking for guidance? Visit our Remortgage Guide or explore Buy-to-Let Mortgage Options.

Virgin Money Mortgage Features and Borrower Benefits

• Fee-Saver Products: Minimise upfront costs with selected purchase mortgages.
• Flexible Fixed-Rate Terms: Choose from 1, 2, 3, and 5-year options across a broad range of LTVs for both new purchases and remortgages.
• Buy-to-Let Expertise: Wide range of competitive BTL deals for investors seeking value and flexibility.
• Seamless Product Transfers: Existing customers benefit from enhanced rates and streamlined switching when deals mature (subject to cutoff dates).

Secure a Virgin Money Mortgage – July 2025 Rates Now Available

With several fixed-rate reductions and fee-saver options, Virgin Money stands out as a leading choice for those seeking value and flexibility. If you’re considering buying a home, remortgaging, or managing your buy-to-let portfolio, now is the time to act.

Contact our expert mortgage advice team for personal guidance and help securing your Virgin Money mortgage rates July 2025.

Frequently Asked Questions (FAQ)

• Who is eligible for Virgin Money’s reduced mortgage rates?
  UK residents looking for purchase, remortgage, buy-to-let, or product transfer mortgages, subject to Virgin Money lending criteria.
• How do these rate reductions affect my repayments?
  Lower fixed rates can help reduce your monthly mortgage payments compared to previous Virgin Money deals.
• Can I secure a new rate if my mortgage completes this month?
  Product transfer switches for completions on 31/07/25 are no longer possible; action would now result in a SVR payment in August.
• Does Virgin Money offer special deals for first-time buyers?
  Yes, reduced fee-saver fixed rates up to 95% LTV are aimed at supporting first-time buyers with smaller deposits.
• How can I apply or find out if I qualify for these rates?
  Contact our mortgage team for a no-obligation review of your circumstances and help with your Virgin Money mortgage application.