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.

Get mortgage advice

Call us on 0333 202 7578 1 to book an appointment in branch or by phone with a mortgage adviser if you’d like mortgage advice. 

The Coronavirus Business Interruption Loan scheme is managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy and Industrial Strategy.


The scheme provides lenders with a government-backed guarantee of 80 percent on facilities of up to £5 million where Barclays and other lenders would not otherwise be able to provide finance to a customer.  If however we can offer finance on normal commercial terms without the need to make use of the CBILS scheme, then we are obliged to do so.


What size loan can I apply for via the scheme?


The minimum loan limit threshold is above £25k and the maximum loan limit available via this scheme is £5 million.


Is the CBIL Scheme a loan or a grant?


The scheme is not a grant. The scheme provides a guarantee to a lender i.e. the bank to allow them to provide finance, but businesses will still have to repay this loan or facility in full. Businesses are responsible for repayment of 100% of the debt, not just the 20% outside the coverage of the government's guarantee.


As businesses are liable in full for the debt, lenders may ask for personal guarantees and security over business assets to support the borrowing facilities.


The government has announced a number of support measures for businesses, such as grants, which businesses may be eligible for. More information on these measures are available on Gov.uk.


Which products are covered under CBILS?


We're offering CBILS term loan facilities.


Why aren't we providing CBILS for loans  under £25k?


Whilst the introduction of CBILS allows us to support more businesses through this crisis, if we can offer finance on normal commercial terms without the need to make use of the scheme, we're obliged by the Government to do this. We currently offer fee-free loans under £25k as part of our standard proposition. These are subject to business viability.


Our residential switching rates

See our full mortgage range, download our tariff of mortgage charges 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.