Nationwide and Virgin Money cut fixed rates (3 November 2026)

Created Nov 3, 2026 • AI-generated summary

Mortgage Solutions round-up (3 November 2026): Nationwide cut fixed mortgage rates by up to 0.15% for first-time buyers, homemovers and remortgaging borrowers, leaving its lowest fixed rate at 4.89%; FTB cuts apply to two-, three- and five-year fixes up to 95% LTV (e.g. two-year fee-free fix at 85% LTV now 5.48%; two-year £999-fee fix at 60% LTV now 5.06%); homemover cuts up to 0.13%, remortgage cuts up to 0.12% (to 75% LTV); a small number of two-year trackers at 80%+ LTV rise by up to 0.1%. Virgin Money cut two-year fixed purchase rates by up to 0.12%, five-year fixed by 0.13%, shared ownership by 0.1%, and remortgage rates by up to 0.17%. Membership limited to coverage of this specific 3 November 2026 Nationwide and Virgin Money rate change; other Nationwide or Virgin Money repricings are distinct stories.