Virgin and Clydesdale reduce product transfer application window

Virgin Money and Clydesdale Bank have announced changes to their product transfer proposition.

Following a review, the lenders are changing the application window from six months to four months.

In a note to brokers, Virgin and Clydesdale said: "As the rate environment has become more stable, most customers now apply within the last four months of their outgoing product.

A four-month window still gives your clients time to secure a new deal ahead of product maturity, and we’re confident this will allow you to continue supporting their needs."

Customers with products ending on 28th February 2026 will now be able to apply for a product transfer from 1st November 2025, four months before the end of their current product. 

Customers with products ending on 31st January 2026, who have been able to apply for a product transfer from 4th August 2025, are not affected by the above changes and can still apply ahead of the change to the four-month period.

To ensure the new rate is ready to start when a client's current deal ends, brokers will need to submit an application by the 10th of the month before expiry for Virgin Money and by the 15th for Clydesdale Bank.