Mortgages

 

See mortgages in a new light

Enjoy the flexibility and freedom to lower your monthly payments, reduce the remaining term or invest in the rental market with our range of Premier mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgage options

Flexible offset mortgages

Use your savings tax efficiently with our award-winning offset mortgages to reduce your monthly payments or repay your mortgage earlier. You can overpay as much as you want, whenever you want, with no charges 2.
 

Buy to Let mortgages 3

If you’re looking to purchase your first buy-to-let property, or to expand your portfolio, we offer a wide range of Buy to Let mortgages .

You can borrow a total of up to £3 million (£1 million limit per property), and choose the term and repayment method that suits you.
 

High-value mortgages

Looking to buy a high-value property? We offer mortgages of up to £5 million to help you purchase your dream home. 
 

Interest-only mortgages

If you want greater flexibility, our interest-only mortgage could be right for you. Remember that you’ll need a plan to repay the full balance of your mortgage at the end of the term, which we’ll be happy to help with. 
 

Loyalty mortgages

If you’ve already got a current account with us, you could save 50% on application fees through our loyalty mortgages 4.
 

Fixed and tracker mortgages

Knowing exactly what you’ll pay every month can be reassuring. Our fixed rate mortgages offer just that. Or, with the current low base rate, it could be a great time to consider a tracker mortgage .
 

Family Springboard mortgage

Help a member of your family get on or move up the property ladder with our Family Springboard Mortgage . By using your savings, they’ll only need to provide a 5% deposit – and if they keep up their repayments, you’ll get your money back with interest after 3 years.

Flexibility

From offset products that can reduce your monthly repayments or mortgage term to tracker options with no tie-ins, our Premier mortgages offer flexibility and freedom.

Pay your mortgage off sooner

If you’re in a position to pay extra towards your mortgage – regularly or as one-off lump sums – you could save money by paying it off sooner. Overpayments can also provide the flexibility to make lower repayments in future. We have several options available:

  • Our offset mortgages enable you to overpay as much as you want, whenever you want, with no charges 2. We are the only Lender that allows customer’s Offset Mortgage to be linked to a cash ISA
  • Our other Premier mortgages allow 10% overpayment annually (5% on our 10-year fixed product) with no early repayment charge

Move your mortgage

We have a range of selected tracker mortgages with no tie-ins that enable you to switch to other products at any time.

Premier service

Talk to the experts

Whether you come into a branch or call us, there’ll be a mortgage expert to help you.

You can talk to our dedicated Premier team on 0800 197 1081 1 Monday to Friday, 8am-9pm, Saturday, 9am-8pm, and Sunday, 10am-4pm. Or if you prefer, you can book an appointment with one of our in-branch advisors during opening hours.

Track your application online

Through the case number your Barclays Mortgage Adviser will provide you with, you can access our online Track It system to find out exactly what’s happening with your mortgage application.

Premier webchat

If you have a question about your mortgage – or any other of your accounts – just type it into our online Premier webchat facility day or night, and we’ll provide you with a prompt answer.

See other mortgages

If you’re looking to switch your variable-rate mortgage but are worried about fees, our Great Escape mortgage could give you a way out.

Additional mortgage borrowing

If you’re considering additional borrowing, you may be able to release equity in your home .

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Protect what matters

We know how important your family and  home are to you, that’s why we offer a range of insurance options to help protect everything that's important to you.

Mortgage rates

We've put all our mortgage rates in one place so it's easy to see our latest offers.

Important information
1. Open Monday to Friday 8am-9pm, Saturday 9am-8pm and Sunday 10am-4pm. To maintain a quality service, we may monitor or record phone calls. Call charges
2. To qualify for Barclays loyalty mortgages, customers must have an open and active Barclays personal current account that has been credited with a minimum of £800 in each of the last  3 months. Applications are subject to status and a minimum age of 18.
3. Buy to Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.