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Barclays Mortgages

Barclays mortgages calculator & review

Barclays offers a range of fixed and variable rate mortgages online and through its high-street branches.

Estimate costs Buy-to-let rates
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Matthew Boyle
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Usually has competitive rates and customers cite the "organised" service
Does not always rate highly for complaint handling
Barclays is a British multinational banking and financial services company headquartered in London. It is a universal bank with operations in retail, wholesale and investment banking, as well as wealth management, mortgage lending and credit cards. The company has around 22 million retail customers and almost one million business banking clients in the UK. Our calculator is designed to give you an estimate of potential costs – for more exact, personalised figures you can request a mortgage agreement in principle from Barclays.
Updated regularly
£
£
years
Updated regularly
Name Product Initial rate Revert rate (SVR) Maximum LTV Apply link Initial payment
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2% variable (Base Rate plus 0.75% for up to 40 Years)
N/A
60%
View details
£860
2.1% APRC
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.2% variable (Base Rate plus 0.95% for up to 40 Years)
N/A
75%
View details
£876.2
2.3% APRC
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.23% variable (Base Rate plus 0.98% for up to 40 Years)
N/A
60%
View details
N/A
Below min. advance
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.37% variable (Base Rate plus 1.12% for up to 40 Years)
N/A
70%
View details
N/A
Below min. advance
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.45% variable (Base Rate plus 1.2% for up to 40 Years)
N/A
75%
View details
£896.7
2.5% APRC
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.47% variable (Base Rate plus 1.22% for up to 40 Years)
N/A
75%
View details
£898.35
2.6% APRC
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.48% variable (Base Rate plus 1.23% for up to 40 Years)
N/A
75%
View details
N/A
Below min. advance
Barclays Mortgage 5 Years Variable
Barclays Mortgages
2.5% variable (Base Rate plus 1.25% for up to 40 Years)
N/A
75%
View details
£900.83
2.6% APRC
Barclays Mortgage 2 Years Variable
Barclays Mortgages
2.54% variable (Base Rate plus 1.29% for up to 40 Years)
N/A
80%
View details
£904.15
2.6% APRC
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgages
2.89% fixed until 31/08/2024
4.49% variable
55%
View details
£933.48
4.3% APRC
Barclays Mortgage 31/08/2027 Fixed
Barclays Mortgages
2.99% fixed until 31/08/2027
4.49% variable
55%
View details
£941.97
3.9% APRC
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgages
3.01% fixed until 31/08/2024
4.49% variable
60%
View details
N/A
Below min. advance
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgages
3.02% fixed until 31/08/2024
4.49% variable
70%
View details
N/A
Below min. advance
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgages
3.03% fixed until 31/08/2024
4.49% variable
75%
View details
N/A
Below min. advance
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Overall representative example
If you borrow £178,000 over a 25-year term at 2.89% p.a. (fixed) for 86 months reverting to 4.49% p.a. (variable) for the remaining term, you would make 86 monthly payments of £833.95 and 214 monthly payments of £947.29. The total payable would be £275,898.76, which includes interest of £96,440, valuation fees of £0 and a product fee of £999. The overall cost for comparison is 3.8% APRC representative.
Think carefully before securing other 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

Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgage
3% fixed until 31/08/2024
5.74% variable
60%
5.4% APRC
Compare now
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgage
3.04% fixed until 31/08/2024
5.74% variable
75%
5.4% APRC
Compare now
Barclays Mortgage 31/08/2027 Fixed
Barclays Mortgage
3.1% fixed until 31/08/2027
5.74% variable
60%
4.8% APRC
Compare now
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgage
3.1% fixed until 31/08/2024
5.74% variable
75%
5.5% APRC
Compare now
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgage
3.14% fixed until 31/08/2024
5.74% variable
75%
5.5% APRC
Compare now
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Compare up to 4 providers

Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
Barclays Mortgage 31/08/2024 Fixed
Barclays Mortgage
3.18% fixed until 31/08/2024
5.74% variable
75%
5.5% APRC
Compare now
Barclays Mortgage 31/08/2027 Fixed
Barclays Mortgage
3.3% fixed until 31/08/2027
5.74% variable
75%
4.9% APRC
Compare now
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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 came 6th in our annual mortgages customer satisfaction survey, scoring 4.5 out of 5 stars, and with 87% of its mortgage customers saying that they would recommend the service. Survey respondents felt that the Barclays mortgage advisors were helpful as well as knowledgeable about the products on offer.

Here is some of the feedback we got from Barclays mortgage customers:
“A very straightforward product at an excellent rate, with great customer service and online access.”
“Good interest rates, really helpful with the application. Staff have good knowledge and always so supportive.”
“Helpful staff, regular communication, good fees.”
“Good product and user-friendly website. Easily accessible customer service.”
“Trustworthy, knowledgeable advisors that give sound advice.”

Frequently asked questions

Mortgage ratings

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

Our customer satisfaction scores ("Customers say") are based on a survey of 1,305 customers carried out in December 2021.

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.

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