Virgin Money Mortgage Rates - October 2026
The indicative rates below are based on Virgin Money's published products for residential mortgages. Rates shown are for illustrative purposes - your actual rate will depend on your LTV, loan size, credit profile and property type.
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-year fixed rate | 3.84% | 4.04% | 4.29% |
| 5-year fixed rate | 4.04% | 4.24% | 4.49% |
| 2-year tracker | – | 4.06% | – |
| Standard Variable Rate (SVR) | 7.00% |
Rates are indicative only. Last updated October 2026. Subject to change without notice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already on Virgin Money's SVR at 7.00%? On a £250,000 mortgage, moving from 7.00% to a 5-year fix at 4.24% could save approximately £575 per month. Contact us now to compare.
Is Virgin Money's Rate the Best Available?
Virgin Money's rates are competitive in many scenarios, but the best rate for you depends on your specific circumstances - your LTV, loan amount, credit history, property type, and whether you're purchasing or remortgaging.
Doulton Bridging Finance compares Virgin Money's rates against 130+ lenders to ensure you get the best available deal. If Virgin Money is the right choice, we'll tell you. If another lender can save you money, we'll show you the numbers.
Compare Virgin Money Against the Market →
Existing Virgin Money Customer? Compare Your Renewal Options
If you're an existing Virgin Money mortgage customer coming to the end of your deal, you have two options: take Virgin Money's product transfer offer, or remortgage to a potentially better rate with a different lender.
Since July 2026, the FCA no longer requires a full affordability check when you move to a cheaper deal with your existing lender - making product transfers faster than ever. But "faster" doesn't always mean "cheaper". Let us compare both options.
See our dedicated Virgin Money product transfer page for a full comparison of renewal options.