Barclays mortgages review, with rates and fees comparison

Barclays offers a range of fixed and variable rate mortgages that could be suitable for you.

compare Barclays mortgages
Customers say
★★★★★
Customer satisfaction
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.

Whether you’re buying your first home, remortgaging, moving home or looking to buy a second property, Barclays has something to offer to everyone. You can reach out to Barclays support online, over the phone or in-branch to calculate how much you could afford to borrow and get your mortgage questions answered.

Compare Barclays mortgage rates

Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Barclays Mortgages
1.22% fixed until 31/08/2023
3.59% variable
60%
3.2% APRC
Check eligibility
View details
Barclays Mortgages
1.22% fixed until 31/08/2023
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.22% fixed until 31/08/2023
3.59% variable
60%
3.2% APRC
Check eligibility
View details
Barclays Mortgages
1.34% fixed until 31/08/2023
3.59% variable
55%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.35% fixed until 31/08/2023
3.59% variable
70%
3.3% APRC
Check eligibility
View details
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Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Barclays Mortgages
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.59% variable
60%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
1.72% variable (Base Rate plus 1.62% for up to 40 Years)
3.59% variable
75%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
1.72% variable (Base Rate plus 1.62% for up to 40 Years)
3.59% variable
75%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
1.79% variable (Base Rate plus 1.69% for up to 40 Years)
3.59% variable
70%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.85% variable (Base Rate plus 1.75% for up to 40 Years)
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.85% variable (Base Rate plus 1.75% for up to 40 Years)
3.59% variable
75%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
2.12% variable (Base Rate plus 2.02% for up to 40 Years)
3.59% variable
75%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
2.19% variable (Base Rate plus 2.09% for up to 40 Years)
3.59% variable
80%
3.5% APRC
Check eligibility
View details
Barclays Mortgages
2.29% variable (Base Rate plus 2.19% for up to 40 Years)
3.59% variable
80%
3.5% APRC
Check eligibility
View details
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Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Barclays Mortgages
1.22% fixed until 31/08/2023
3.59% variable
60%
3.2% APRC
Check eligibility
View details
Barclays Mortgages
1.43% fixed until 31/08/2026
3.59% variable
60%
2.8% APRC
Check eligibility
View details
Barclays Mortgages
1.58% fixed until 31/08/2023
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.58% fixed until 31/08/2023
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.58% fixed until 31/08/2023
3.59% variable
60%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.58% fixed until 31/08/2023
3.59% variable
50%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.63% fixed until 31/08/2026
3.59% variable
60%
2.9% APRC
Check eligibility
View details
Barclays Mortgages
1.63% fixed until 31/08/2026
3.59% variable
60%
2.9% APRC
Check eligibility
View details
Barclays Mortgages
1.67% fixed until 31/08/2026
3.59% variable
75%
2.9% APRC
Check eligibility
View details
Barclays Mortgages
1.72% variable (Base Rate plus 1.62% for up to 40 Years)
3.59% variable
75%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
1.88% fixed until 31/08/2023
3.59% variable
75%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.88% fixed until 31/08/2023
3.59% variable
75%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
1.9% fixed until 31/08/2026
3.59% variable
75%
3% APRC
Check eligibility
View details
Barclays Mortgages
1.9% fixed until 31/08/2026
3.59% variable
75%
3% APRC
Check eligibility
View details
Barclays Mortgages
2.49% fixed until 31/08/2023
3.59% variable
85%
3.5% APRC
Check eligibility
View details
Barclays Mortgages
2.71% fixed until 31/08/2026
3.59% variable
85%
3.3% APRC
Check eligibility
View details
Barclays Mortgages
2.88% fixed until 31/08/2023
3.59% variable
85%
3.5% APRC
Check eligibility
View details
Barclays Mortgages
2.88% fixed until 31/08/2023
3.59% variable
85%
3.5% APRC
Check eligibility
View details
Barclays Mortgages
2.9% fixed until 31/08/2026
3.59% variable
85%
3.4% APRC
Check eligibility
View details
Barclays Mortgages
2.9% fixed until 31/08/2026
3.59% variable
85%
3.4% APRC
Check eligibility
View details
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Barclay’s buy-to-let mortgage rates

Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
Barclays Mortgage 31/08/2023 Fixed
Barclays Mortgage
1.8% fixed until 31/08/2023
4.59% variable
60%
4.2% APRC
Compare now
Barclays Mortgage 31/08/2023 Fixed
Barclays Mortgage
1.8% fixed until 31/08/2023
4.59% variable
60%
4.3% APRC
Compare now
Barclays Mortgage 31/08/2026 Fixed
Barclays Mortgage
1.85% fixed until 31/08/2026
4.59% variable
60%
3.6% APRC
Compare now
Barclays Mortgage 31/08/2026 Fixed
Barclays Mortgage
1.85% fixed until 31/08/2026
4.59% variable
60%
3.6% APRC
Compare now
Barclays Mortgage 31/08/2023 Fixed
Barclays Mortgage
2% fixed until 31/08/2023
4.59% variable
70%
4.3% APRC
Compare now
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Compare up to 4 providers

Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
Barclays Mortgage 31/08/2023 Fixed
Barclays Mortgage
1.8% fixed until 31/08/2023
4.59% variable
60%
4.3% APRC
Compare now
Barclays Mortgage 31/08/2026 Fixed
Barclays Mortgage
1.85% fixed until 31/08/2026
4.59% variable
60%
3.6% APRC
Compare now
Barclays Mortgage 31/08/2023 Fixed
Barclays Mortgage
2% fixed until 31/08/2023
4.59% variable
70%
4.3% APRC
Compare now
Barclays Mortgage 31/08/2026 Fixed
Barclays Mortgage
2.1% fixed until 31/08/2026
4.59% variable
70%
3.7% APRC
Compare now
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Overall representative example
If you borrow £170,000 over a 25-year term at 1.59% p.a. (fixed) for 63 months reverting to 3.59% p.a. (variable) for the remaining term, you would make 63 monthly payments of £687.10 and 237 monthly payments of £823.61. The total payable would be £239,775.87, which includes interest of £68,483, valuation fees of £248 and a product fee of £995. The overall cost for comparison is 2.9% 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.

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 0800 197 1081.

What information is needed to apply?

You’ll need to provide personal details, proof of income, previous bank statements and previous address history among other information.

Eligibility criteria

The minimum age for taking out a Barclays mortgage is 18, or 21 for buy-to-met mortgages. You’ll need to be younger than 70 before the mortgage term ends.

If you’re employed, you’ll need to have worked for the same employer for at least three months, and in work continuously for at least 18 months.

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 893 customers carried out in December 2020.

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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