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Tracker mortgage

Switch and Fix

Switch and fix with Barclays

With Barclays range of mortgage products, you can take control and choose when to switch from a Barclays tracker to a fixed mortgage. See the below table for current tracker products or call us for more information.

Have you heard about our Barclays loyalty mortgages for our Personal Current Account customers? 3

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


Product Initial interest rate Follow on interest rate The overall cost for comparison is Application fee How much could I borrow? Early repayment charge
2 Year Tracker 1.99% (BBBR + 1.49%)

variable for 2 years

3.99% (BBBR + 3.49%)

variable for the remaining term *

3.8% APR £999 70% (max) of the value of your home None
3 Year Tracker 1.65% (BBBR + 1.15%)

variable for 3 years

3.99% (BBBR + 3.49%)

variable for the remaining term *

3.5% APR £1999 65% (max) of the value of your home (Min loan £500k, max loan £2m) None
2 Year Tracker 1.79% (BBBR + 1.29%)

variable for 2 years

3.99% (BBBR + 3.49%)

variable for the remaining term *

3.7% APR £999 60% (max) of the value of your home None

A written personalised Key Facts Illustration is available from any Barclays branch, from Barclays Direct Mortgages on 0845 677 0002 4 or from this website.

Information about our flexible mortgage products:

  • No higher lending charge
  • Applications are subject to status and applicants must be 18 years old or older
  • Mortgages are subject to valuation (maximum loan-to-value ratio 90%)
  • A first charge over your property is required
  • Mortgages are available on interest-only and repayment bases. For an interest-only mortgage, it is your responsibility to ensure that a suitable repayment plan is in place to pay off your total mortgage balance at the end of the agreed term. For a repayment mortgage, you are responsible for making sure all payments to the repayment plan are kept up to date and for checking regularly that the repayment plan is on target to repay the amount outstanding on the mortgage at the end of the agreed term
  • Woolwich mortgages must normally be repaid by the time you retire or reach the age of 70 years, whichever is sooner, and are not available for business purposes
  • We are a responsible lender, and when considering your application for borrowing we will appraise your financial circumstances. And remember, if you should run into difficulty, please contact us immediately 

General information:

  • Telephone calls may be recorded or monitored
  • The mortgaged property must be situated in the United Kingdom, which is England, Wales, Scotland and Northern Ireland. The Channel Islands and the Isle of Man are not part of the United Kingdom
  • All rates and charges quoted are correct at the time this site was last updated
  • The mortgages featured are only available for residential purposes
  • Woolwich Switch & Save™ mortgages are only available to new customers remortgaging with us who are coming from another lender, ie not Barclays or The Woolwich
  • If you remortgage with us and are coming from another lender you may have to pay your present lender an early repayment charge. Other associated fees may apply; speak to your current mortgage provider for details


How to complain:

  • We are committed to providing a high standard of service to you and all of our customers. We have a set procedure that enables us to investigate and sort out complaints quickly and fairly
  • If you want to complain about this application or the service you've received, you may do so in person, by telephone or in writing by post or email
  • Details of our complaints-handling procedures are available on request from any branch or our Customer Service team on 0800 33 44 99 5 (Monday to Friday 9am-5pm). Alternatively, you can read our Complaints Commitment


You can download our tariff of charges for our mortgage range here.

Tariff of charges 270 KB

Alternatively, you can get our tariff of charges in Braille, large print or audio tape/CD by calling 0800 400 100 5 (via Text Direct if appropriate).

Mortgage features

  • Take your mortgage rate with you if you move
  • No hidden charges - we'll make everything clear up front
  • Overpay up to 10% per year on our fixed rates (5% on our 10-year fixed product) with no early repayment charge

Could be good for you if:

  • You want the flexibility to make some overpayments
  • You want your mortgage to reflect the market

Look at other options if:

  • You want to fix your repayments
  • You want to offset your savings to reduce your mortgage payments

Applying for a new mortgage

Switch mortgages
Request additional borrowing

0800 197 1081 1

Discuss and apply in branch

O845 071 4963


Support for existing Woolwich mortgages


0800 022 4022 2

Woolwich mortgage awards


Looking for a different type of mortgage?

Offset mortgage - Use your savings to help reduce your mortgage payments
Fixed rate mortgage - Enjoy the security of fixed repayments for a set period
Buy to Let mortgage - Choose the right mortgage for your rental property


Important information
1. Lines are 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. Lines are open Monday to Friday 8.30am-5.30pm. To maintain a quality service, we may monitor or record phone calls. Call charges
3. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad. Call charges
4. To view Adobe® Acrobat® (PDF) files you will need Adobe® Acrobat®, available from Adobe Systems Incorporated. Adobe® and Acrobat® are the registered trade marks of Adobe Systems Incorporated in the United States and/or other countries. For more information on accessibility please see the Adobe Accessibility site
* BBBR = Barclays Bank Base Rate which is currently 0.50% (effective 6 March 2009).
** Subject to status and availability. 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 three months. Customers must be 18 years or over to apply for a mortgage.
“The Great Escape" is a trademark of Barclays Bank Plc.
^ Future Fix - a 2 year tracker followed by 3 year fixed rate


Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


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