Barclays mortgages rates, calculator & review

Barclays offers a range of fixed and variable rate mortgages online and through its high-street branches, with rates from 4.4%.

4.1 ★★★★★ (580 reviews) Write a review
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1 - 30 of 61
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
Barclays Mortgage 30/09/2029 Fixed
4.4% fixed until 30/09/2029
8.74% variable
60%
View details
£1,066.35
6.9% APRC
Barclays Mortgage 30/09/2029 Fixed
4.41% fixed until 30/09/2029
8.74% variable
60%
View details
£1,067.26
6.9% APRC
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.46% fixed until 30/09/2029
8.74% variable
60%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,071.84
6.9% APRC
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.47% fixed until 30/09/2029
8.74% variable
60%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,072.75
6.9% APRC
Barclays Mortgage 30/09/2029 Fixed
4.47% fixed until 30/09/2029
8.74% variable
60%
View details
N/A
Below min. advance
Barclays Mortgage 30/09/2029 Fixed
4.51% fixed until 30/09/2029
8.74% variable
70%
View details
N/A
Below min. advance
Barclays Mortgage 30/09/2029 Fixed
4.53% fixed until 30/09/2029
8.74% variable
75%
View details
£1,078.26
7% APRC
Barclays Mortgage 30/09/2027 Fixed
4.57% fixed until 30/09/2027
8.74% variable
60%
View details
£1,081.94
7.6% APRC
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.65% fixed until 30/09/2029
8.74% variable
75%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,089.32
7% APRC
Barclays Mortgage 30/09/2029 Fixed
4.65% fixed until 30/09/2029
8.74% variable
75%
View details
N/A
Below min. advance
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.66% fixed until 30/09/2029
8.74% variable
60%
Eligible customers can receive up to £150 cashback on completion. T&Cs apply.
View details
£1,090.24
7% APRC
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.66% fixed until 30/09/2029
8.74% variable
60%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,090.24
7% APRC
Barclays Mortgage 30/09/2029 Fixed
4.67% fixed until 30/09/2029
8.74% variable
75%
View details
£1,091.17
7% APRC
Barclays Mortgage 30/09/2029 Fixed
4.73% fixed until 30/09/2029
8.74% variable
85%
View details
N/A
Exceeds max. term
Barclays Mortgage 30/09/2029 Fixed
4.8% fixed until 30/09/2029
8.74% variable
90%
View details
N/A
Exceeds max. term
Barclays Mortgage 30/09/2029 Fixed
4.9% fixed until 30/09/2029
8.74% variable
90%
View details
N/A
Exceeds max. term
Barclays Mortgage 30/09/2029 Fixed
4.9% fixed until 30/09/2029
8.74% variable
85%
View details
N/A
Exceeds max. term
Barclays Mortgage 30/09/2026 Fixed
4.98% fixed until 30/09/2026
8.74% variable
60%
View details
£1,120.05
8.1% APRC
Barclays Mortgage 30/09/2026 Fixed
4.99% fixed until 30/09/2026
8.74% variable
60%
View details
£1,120.99
8.1% APRC
CASHBACK
Barclays Mortgage 30/09/2026 Fixed
5% fixed until 30/09/2026
8.74% variable
60%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,121.92
8.1% APRC
CASHBACK
Barclays Mortgage 30/09/2026 Fixed
5.01% fixed until 30/09/2026
8.74% variable
60%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,122.86
8.1% APRC
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
5.03% fixed until 30/09/2029
8.74% variable
85%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Barclays Mortgage 30/09/2026 Fixed
5.04% fixed until 30/09/2026
8.74% variable
75%
View details
£1,125.68
8.1% APRC
Barclays Mortgage 30/09/2026 Fixed
5.05% fixed until 30/09/2026
8.74% variable
75%
View details
£1,126.63
8.1% APRC
Barclays Mortgage 30/09/2026 Fixed
5.06% fixed until 30/09/2026
8.74% variable
60%
View details
N/A
Below min. advance
Barclays Mortgage 30/09/2026 Fixed
5.11% fixed until 30/09/2026
8.74% variable
70%
View details
N/A
Below min. advance
Barclays Mortgage 30/09/2026 Fixed
5.13% fixed until 30/09/2026
8.74% variable
60%
View details
£1,134.17
8.1% APRC
Barclays Mortgage 30/09/2026 Fixed
5.13% fixed until 30/09/2026
8.74% variable
75%
View details
£1,134.17
8.1% APRC
Barclays Mortgage 30/09/2026 Fixed
5.14% fixed until 30/09/2026
8.74% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Barclays Mortgage 30/09/2026 Fixed
5.15% fixed until 30/09/2026
8.74% variable
75%
Eligible customers can receive up to £350 cashback on completion. T&Cs apply.
View details
£1,136.06
8.1% APRC
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Read Terms and Conditions here

Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Barclay’s buy-to-let mortgage rates

1 - 5 of 9
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Barclays Mortgage 30/09/2029 Fixed
4.62% fixed until 30/09/2029
9.74% variable
75%
7.7% APRC
View details
Barclays Mortgage 30/09/2029 Fixed
4.72% fixed until 30/09/2029
9.74% variable
75%
7.7% APRC
View details
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
5.4% fixed until 30/09/2029
9.74% variable
60%
8.2% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Barclays Mortgage 30/09/2026 Fixed
5.58% fixed until 30/09/2026
9.74% variable
75%
9.2% APRC
View details
Barclays Mortgage 30/09/2026 Fixed
5.68% fixed until 30/09/2026
9.74% variable
75%
9.2% APRC
View details
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1 - 5 of 5
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.6% fixed until 30/09/2029
9.74% variable
75%
7.7% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.83% fixed until 30/09/2029
9.74% variable
60%
8% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
CASHBACK
Barclays Mortgage 30/09/2029 Fixed
4.88% fixed until 30/09/2029
9.74% variable
75%
7.7% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
CASHBACK
Barclays Mortgage 30/09/2026 Fixed
5.76% fixed until 30/09/2026
9.74% variable
75%
9.3% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
CASHBACK
Barclays Mortgage 30/09/2026 Fixed
5.8% fixed until 30/09/2026
9.74% variable
60%
9.1% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
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Lender profile

  • Barclays is one of the “big five” British banks and among the most commonly-used mortgage lenders.
  • The bank offers one of the most diverse ranges of mortgages, including several aimed at first-time buyers or those looking to borrow into retirement.

What types of mortgages can I get with Barclays?

  • Fixed rate A fixed-rate mortgage provides certainty as your interest rate will remain locked for a set amount of time.
  • Remortgages You can switch your existing mortgage to Barclays via one of its remortgage products.
  • Tracker With a tracker mortgage, your interest rate fluctuates based on the Bank of England base rate.
  • Offset With an offset mortgage, you can use the money in your savings account to offset your mortgage interest.
  • Buy-to-let You’ll need a buy-to-let mortgage if you’re looking to borrow money for a second property to let out.
  • Shared ownership With shared ownership, you can purchase a percentage of the property, while paying rent on the rest. You can apply to purchase additional percentages of the property as and when you can afford it.

How to apply

You can apply for a Barclays mortgage via the Barclays website, in one of its branches, or by calling 0333 202 7573 to book an appointment with one of its mortgage advisers.

What information is needed to apply?

You’ll need to provide: photo ID, proof of current address, building insurance policy (if remortgaging from another lender), bank account details (from which you’ll make mortgage payments from), proof of income, details of any current debts, details of any current life/critical illness/home insurance policies, details of any other mortgages, details of the property you want to buy, plus details of the solicitor and estate agent.

Eligibility criteria

The minimum age for taking out a Barclays mortgage is 18, or 21 for buy-to-let mortgages. You’ll need to be younger than 70 before the mortgage term ends (or provide proof that you’ll be able to repay your mortgage if it extends into your retirement).

If you’re employed, you’ll need to have been in continuous employment for the last 3 months – not necessarily with the same employer, but there must be no gaps.

Barclays mortgages customer reviews

Barclays was ranked mid-table in Finder’s latest customer satisfaction survey, where 90% of Barclays mortgage customers said they would recommend the brand to a friend.

One Barclays mortgage customer in our survey said: “The advisor was excellent and ensured we were getting the best deal.”

Another commented: “Easy to deal with, professional and reliable. Respond quickly and efficiently.”

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Matthew Boyle

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full profile

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