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Premier mortgages

Premier mortgages

Exclusive residential and buy-to-let options, whether you’re looking for your next home or an investment property.

Our best mortgage rates

  • Fixed-rate and tracker options
  • You could borrow up to £5 million
  • Created exclusively for you as a Premier customer

Eligibility

To apply for a Premier mortgage, you must have a Barclays Premier Current Account, be over 18 and have:

An annual gross income paid into a Barclays current account of £75,000 or more

OR

£100,000 or more saved or invested with us

Already have a current account with us but meet these requirements? Upgrade to a Premier Current Account  now.

Applications are subject to status.

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

Your mortgage options

Offset

Use savings to reduce your mortgage interest

An Offset Mortgage is a way of using the credit balances in your Barclays savings and Barclays current accounts to help reduce the mortgage balance on which you are charged interest.

You can reduce your monthly payments or pay off your mortgage earlier by offsetting.

No interest is payable on funds during the period when used in the offset arrangement.

 

Buy to let

Become a landlord or expand your portfolio

You could borrow from £35,000 to £1 million per property 1 by yourself or with up to 3 others. Choose the term that suits you, for 5 to 25 years 2.

Your buy-to-let property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage

Fixed rate

Know exactly what you’ll pay every month

Feel secure in the knowledge that your monthly payments will stay the same during your fixed period.

After the fixed term, your mortgage will move to a variable rate, which means that your monthly payments could then vary 3.

 

Tracker

Take advantage of today's low base rate

Interest rates that change in line with the base rate, and you can switch to a fixed-rate mortgage with us whenever you like – with no early repayment charge 3.

 

Compare our mortgages

This table shows the mortgages and rates 4 currently available exclusively for you to apply for as a Premier member.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.

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Product name

Initial interest rate

Follow-on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

*BBBR means the Barclays Bank Base Rate, which is currently 0.50% (effective 6 March 2009).

Representative example:

A capital and interest mortgage of £131,500 payable over 25 years initially on a fixed rate of 1.79% for 2 years and then our variable tracker rate at 3.49% above the Barclays Bank Base Rate (currently 0.5%) for the remaining term would require 24 monthly payments of £544.02 and 276 monthly payments of £681.71.

The total amount payable would be £202,322.44 made up of the loan amount plus interest and £999 (product fee), £80 (final repayment charge), £35 (completion fee).

The overall cost for comparison is 3.7% APRC representative.

Ready to apply?

Give us a call

To find out more about our mortgages, phone us on 0333 202 7573 5 or ask us to call you.
 

 

Not a Premier customer?

Are you eligible and want one of these mortgages?
 

 

Agreement in principle

See what we could lend you without affecting your credit score.

 

Come in and see us

Speak to a mortgage advisor face to face in branch.
 

 

Barclays Blue Rewards

Join Barclays Blue Rewards and get cashback if you have a residential mortgage with us 6.

 

Legal information

A personalised Key Facts Illustration is available from any of our branches or from our mortgage team on 0800 197 1058 5.

Download the features of our flexible mortgage products 240 KB

Charges

To see the charges on our mortgages, you can download our Barclays Tariff of Mortgage Charges 850 KB 7.

You can get this in Braille, large print or on audio tape/CD by calling 0800 400 100 8 (via Text Direct if appropriate).

Important information

  1. Subject to product availability and personal circumstances.
  2. Buy to Let mortgages are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority.
  3. You'll be protected if interest rates go up, however you could end up paying over the odds if they fall. So you should think carefully about how long you want to fix your mortgage for, because you may have to pay an early repayment charge if you change or overpay on your mortgage before the initial fixed term ends. After the fixed term, your mortgage will move to a variable rate, which means that your monthly payments could then vary.
    Your mortgage offer and terms and conditions will explain your overpayment allowance and confirm whether you’d need to an early repayment charge.
  4. BBBR = Barclays Bank Base Rate – currently 0.50% (effective 6 March 2009). Barclays Bank Base Rate is a variable rate set by Barclays Bank PLC, which typically follows the Bank of England Base Rate but it is not guaranteed to do so. The Bank of England Base Rate can go up or down and is announced by the Bank of England's Monetary Policy Committee every month.
  5. Lines are open Monday to Friday, 8am to 9pm, Saturday, 9am to 8pm, and Sunday, 10am to 4pm. To maintain a quality service, we may monitor or record phone calls. Call charges
  6. You'll be eligible for Barclays Blue Rewards as long as you pay in at least £800 to your current account each month, pay out at least 2 Direct Debits each month and pay the £3 monthly fee. Your monthly fee will be taken from your nominated account on the first of each month (or the next working day if that's a weekend or bank holiday). The first monthly fee will be taken in the month after you join. It will show in your statement as 'Blue Rewards fee'.
  7. To view PDFs, you’ll need a PDF file viewer on your computer or device.
  8. To maintain a quality service, we may monitor or record phone calls. Call charges