How to get a mortgage

Tips to help you find the right deal for you

Confused about mortgages? We’ll show you how to get a mortgage from start to finish, including what you need to tell us and the steps you’ll need to take.

Want kind of mortgage are you interested in?

  • Remortgage

    1. Explore your mortgage options

    Remortgaging means moving your current mortgage to a new lender. If your mortgage deal is coming to an end, we can offer a range of deals that may be suitable for your needs.

    Learn more about remortgaging.

    Find out how much you could borrow and what your monthly payments might be with our mortgage calculator.

    2. Get an Agreement in Principle

    An Agreement in Principle (AiP) is a crucial first step for your mortgage application.

    An AiP lets you know if we can lend the amount you need – without affecting your credit score and it only takes a matter of minutes to complete.

    3. Prepare your application

    You’ll need to provide some documents to confirm your identity, address, income and financial commitments as part of your mortgage application. Getting these together now will help your application go smoothly.

    See which documents you need.

    You can send us copies of these documents using our online DocuSign service. We'll let you know how to do this once you start your application.

    4. Talk to a mortgage adviser

    Our mortgage advisers make sure you find the best Barclays mortgage to meet your needs.

    When you talk to one of our advisers, they’ll ask about your financial plans, including

    • Whether you’re expecting any changes to your financial situation
    • Your plans for the future, including your retirement

    Want to know more? Find out what to expect at your mortgage appointment.

    5. Completing your application

    Once you’ve finished all the paperwork, we’ll complete your mortgage application by

    • Completing any final checks and assessments
    • Valuing your property
    • Preparing your mortgage offer

    You can follow every step of your application online with Barclays Track It.

    Managing your new mortgage

    Barclays Online Banking makes it easy to manage your mortgage. Register online once you have your Online Banking log-in details and then log in at any time to see your mortgage in detail.

  • Your first mortgage

    1. Explore your mortgage options

    Buying your first home is a big decision. Our first-time buyer centre has all the help you’ll need to get started.

    Go to our first-time buyer centre.

    Find out how much you could borrow and what your monthly payments might be with our mortgage calculator.

    2. Get an Agreement in Principle

    An Agreement in Principle (AiP) is a crucial first step for your mortgage application. An AiP lets you know if we can lend the amount you need – without affecting your credit score and it only takes a matter of minutes to complete.

    3. Prepare your application

    You’ll need to provide some documents to confirm your identity, address, income and financial commitments as part of your mortgage application. Getting these together now will help your application go smoothly.

    See which documents you need.

    You can send us copies of these documents using our online DocuSign service. We'll let you know how to do this once you start your application.

    4. Talk to a mortgage adviser

    Our mortgage advisers make sure you find the best Barclays mortgage to meet your needs.

    When you talk to one of our advisers, they’ll ask about your financial plans, including

    • Whether you’re expecting any changes to your financial situation
    • Your plans for the future, including your retirement

    Want to know more? Find out what to expect at your mortgage appointment.

    5. Completing your application

    Once you’ve finished all the paperwork, we’ll complete your mortgage application by

    • Completing any final checks and assessments
    • Valuing your property
    • Preparing your mortgage offer

    You can follow every step of your application online with Barclays Track It.

    Managing your new mortgage

    Barclays Online Banking makes it easy to manage your mortgage. Register online once you have your Online Banking log-in details and then log in at any time to see your mortgage in detail.

  • Buy to let

    1. Explore your mortgage options

    If you want to invest in property and become a landlord, you need a buy-to-let mortgage rather than a residential mortgage. Our buy-to-let centre has all the help you need to get started.

    Go to our buy-to-let centre.

    2. Prepare your application

    You’ll need to provide some documents to confirm your identity, address, income and financial commitments as part of your mortgage application. You may also need to provide details of existing buy-to-let properties, including any tenancy agreements and outstanding loan balances.

    You can send us copies of these documents using our online DocuSign service.

    We'll let you know which documents you need and how to use DocuSign once you start your application.

    3. Talk to a mortgage adviser

    You can talk to us about applying for a buy-to-let mortgage, but we can’t provide mortgage advice – only information.

    When you talk to us about your application, we'll ask about your financial plans, including whether you’re expecting any changes to your financial situation.

    4. Completing your application

    Once you’ve finished all the paperwork, we’ll complete your mortgage application by

    • Completing any final checks and assessments
    • Valuing your property
    • Preparing your mortgage offer

    You can follow every step of your application online with Barclays Track It.

    Create a landlord insurance policy that’s perfect for you by choosing only the cover you need. Get a free quote.

  • Additional borrowing

    1. Explore your mortgage options

    If you already have a mortgage with us, you may be able to borrow additional money. Since we already know about you and your home, this is simpler than applying for a new mortgage.

    More about additional mortgage borrowing.

    2. Prepare your application

    You’ll need to provide some documents to confirm your identity, address, income and financial commitments as part of your mortgage application. Getting these together now will help your application go smoothly.

    See which documents you need.

    You can send us copies of these documents using our online DocuSign service. We'll let you know how to do this once you start your application.

    3. Talk to a mortgage adviser

    Our mortgage advisers make sure you find the best Barclays mortgage to meet your needs.

    When you talk to one of our advisers, they’ll ask about your financial plans, including

    • Whether you’re expecting any changes to your financial situation
    • Your plans for the future, including your retirement

    Want to know more? Find out what to expect at your mortgage appointment..

    4. Completing your application

    Once you’ve finished all the paperwork, we’ll complete your mortgage application by

    • Completing any final checks and assessments
    • Valuing your property
    • Preparing your mortgage offer

    You can follow every step of your application online with Barclays Track It.

    Managing your new mortgage

    Barclays Online Banking makes it easy to manage your mortgage. Register online once you have your Online Banking log-in details and then log in at any time to see your mortgage in detail.

     

Need some help?

You can talk to us about our mortgages online, in branch or by phone at a time that suits you.

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081

Visit a branch

Contact a branch that offers appointments with one of our expert mortgage advisers.