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Barclays Mortgages

Compare Barclays Mortgage Rates

  • Barclays offers fixed rate, tracker, offset and interest-only mortgages for first-time buyers, remortgagers, home movers and buy-to-let borrowers

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Mortgages with Barclays

Barclays offers residential, buy-to-let and commercial mortgages. The mortgage types on offer include: fixed rate, tracker, offset and interest-only mortgages.

Barclays also offers current accounts, credit cards, insurance products and more.

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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Why get a mortgage through Barclays Bank?

Being one of the biggest mortgage providers in the UK, Barclays provides a range of mortgage deals for new and existing customers.

It also runs offers for residential mortgage customers. For example, eligible existing Barclays residential mortgage customers can apply for its Greener Home Reward. This gives you up to £2,000 to help make selected home energy efficiency-related improvements.

What types of mortgage does Barclays offer?

Barclays bank mortgages are available to first-time buyers, home movers, remortgagers (both new and existing customers) and buy-to-let borrowers.

  • 1

    First-time buyers

    Barclays has a range of mortgage types available to first-time buyers. It is also part of the government’s Help to Buy scheme, which helps you get on the property ladder with a minimum deposit of 5%.

  • 2

    Home movers

    Existing Barclays mortgage customers may be able to transfer (port) their current mortgage deal to their new home. New and existing Barclays customers can find a mortgage deal for their next home.

  • 3

    Remortgaging

    Existing Barclays mortgage customers can look to borrow more on their current deal, or switch deals once their current deal has come to an end. New customers can move their mortgage to a new deal with Barclays.

  • 4

    Buy-to-let borrowers

    Barclays offers fixed rate and tracker mortgages for buy-to-let borrowers. Borrowing terms and conditions will apply.

How do I apply for a Barclays mortgage?

You’ll typically need to complete an online Agreement in Principle first. If you’re buying a home using Help to Buy or a shared ownership scheme, you should instead book an appointment with a Barclays mortgage adviser.

You can apply for a Barclays mortgage either online or an in-branch appointment.

If you have an appointment, you’ll need to prepare for it by gathering supporting documents like a photo ID, recent proof of address, and proof of income. Barclays will call you before the meeting to check you have everything.

On average, it usually takes between four to six weeks to get a mortgage application approved.

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How do I compare Barclays mortgages?

With MoneySuperMarket, you can find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.

  • Buying or remortgaging?

    Tell us whether you’re looking to buy or remortgage, and whether you’ll use the property to live in or rent out to tenants

  • Tell us a few details

    Let us know an estimate of the property value, your deposit, the length of your desired term, and how you want to repay

  • We find the deals

    We sift through the mortgage deals available. This way, you can see what's on offer and make an informed choice

Getting a mortgage in principle can help to give you a better idea of how much you could borrow from Barclays. It’s quick and easy to do this online, and it won’t affect your credit score.

You’ll need to say how much you want to borrow, plus your income and any outgoings, to get an immediate mortgage agreement in principle.

You can get in touch with Barclays mortgages by:

  • Phone – Call 0333 202 7580 to speak to a Barclays mortgage expert. Lines are open 7am-8pm Monday to Friday, and 7am-5pm at weekends

  • In person – You can visit a branch near you to speak to a mortgage adviser. To book an appointment, call 0333 202 7573. Lines are open 7am-8pm Monday to Friday and 7am-5pm at weekends

If you’re looking for a mortgage quote, call 0800 197 1081 (lines are open 7am-8pm Monday to Friday and 7am-5pm at weekends).

And if you’re worried about your mortgage payments and require help, call them on 0333 202 7407 (lines are open 8am-8pm Monday to Thursday, 8am-6pm on Fridays, and 9am-1pm on Saturdays).

If your bank goes bust and you have a mortgage with them, it won’t be cancelled. You’ll still owe money to the lender, and its charge over your home will still stand.

Your existing debt would be sold on to another bank or building society in an administration process. You’d then owe the new bank the money.

In the event that your bank goes bust, you should continue to make your monthly payments as normal. You should also be given advice on your situation and what you can do.

However, things are slightly different if you have a particular type of offset mortgage. If the amount held in savings exceeds the mortgage debt, the balance would be protected by the Financial Services Compensation Scheme (FSCS): up to £85,000 or £170,000 for a joint account.

Whether you qualify for a mortgage with Barclays depends on many factors, such as your finances, credit history, income, expenditure, deposit, and any debts.

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