Exclusive mortgage rates for existing customers

Switch to a new rate if you have a mortgage with us

If you have a mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more

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

Your mortgage options

You can plan ahead

Arrange to switch up to 90 days before your current rate ends, or switch now if you’re already on our follow-on rate.

No switching fees

We won’t charge you any legal or valuation fees, and there are no income or affordability assessments when you switch – but you may have to pay a product fee.

You can switch online

Switch your rate instantly as long as you’re not making other changes to the mortgage and want to choose your rate without mortgage advice.

Mortgage advisers on hand

We’ll help you choose a rate that suits your needs, and guide you through the process to borrow more, change your term or anything else. Just book an appointment.

See how it works

Watch our short video below to see how easy it is to switch to a new mortgage rate.

How to switch your rate

You can switch your rate online – but please book an appointment if you’d like help to choose a rate or want to make other changes. Lines are open all day, every day – except during bank holidays and Christmas period, when lines may be closed at off-peak times.

Choose your own rate

Switch online if you don’t want advice when choosing your rate and you’re not considering any other changes to your mortgage. This will take about 10 minutes.

I understand that by proceeding without advice I will not benefit from the protection of the Financial Conduct Authority’s rules on assessing suitability.

Apply as a guest

You can apply for a rate switch online without having Online Banking or the Barclays app. We’ll then post you a document within 7 to 15 days to check, sign and return to us in order to secure your rate.

Our residential switching rates

See our full mortgage range [PDF, 893KB], download our tariff of mortgage charges [PDF, 265KB] and read our legal information.


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More mortgage options

Additional mortgage borrowing

Want to borrow more?

Is your home worth more than your Barclays mortgage balance? You may be able to borrow more for home improvements, a special purchase and more.

Moving home

Your options when you have a mortgage with us

Find out about the mortgage options you can choose from when moving home, and see our exclusive rates and deals for home movers.