Fixed-rate mortgages
A rate that won’t change for a set time
Choosing a fixed rate mortgage means you won’t be affected if interest rates go up or down for a set number of years.
Our best first-time buyer mortgage rates
Find the right deal for you
We offer mortgages that can help if you’re having trouble saving for the deposit you need, as well as a wide range of fixed-rate and tracker deals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buying your first home
It doesn’t have to be mystifying – we’re here to guide you down the path to your very own home.
We're ready to help
We've helped millions of people buy their first home, and our expert advisers are on hand to help you find a mortgage deal that suits your needs. We'll explain what kind of help is available if you're struggling to save up for the deposit you need, and guide you through the mortgage process.
An easy way to apply
With our online Agreement in Principle, you can find out whether we could lend the amount you need in minutes – and it won't affect your credit score. Then you can choose to have your appointment with one of mortgage advisers at a Barclays branch, by phone or as a video call.
Our latest first-time buyer rates
You can also check our full mortgage range to see if our other mortgages are suitable for you, download our
tariff of mortgage charges and read our legal information.
These rates are currently unavailable
We’re sorry, Barclays First Time Buyer mortgages aren’t available at the moment, although we hope to be able to offer them again in due course. A complete list of our current mortgage rates is available here. [PDF, 517KB]
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Tracker mortgage
A flexible mortgage that follows the market
A tracker mortgage doesn’t tie you down to a fixed rate, so your payments could go up or down.
Barclays Green Home Mortgages
Buy an energy efficient home and get a lower rate
We’ll reward you with a lower mortgage rate on certain deals when you buy an energy efficient home – it’s just one of the ways we support greener choices.
Need help with your deposit?
Family Springboard Mortgage
Buy your home with help from a loved one
Saving for your first home isn’t easy – now family and friends can help with the deposit.
Help to buy mortgages
Get a helping hand when buying a home
Struggling to save a deposit? See how the government’s Help to Buy scheme could help you take the first steps towards your new home.
Shared ownership mortgages
Buy a share of a home and pay rent on the rest
When you part-buy, part-rent a home through shared ownership, you can apply for a smaller mortgage amount – so your deposit could be lower, too.
How to apply
Use our calculators to see how much you could afford to borrow, get an Agreement in Principle to see if we could lend what you need – once you have an AiP, we’ll tell you how to book a mortgage appointment. But you can find out how to prepare for your mortgage appointment before that.
Mortgage calculators
Work out the kind of mortgage you could afford
Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.
Agreement in Principle (AiP)
Take the first step to your mortgage with an AiP
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
Starting your mortgage application
Get ready to apply
Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.
Need some help?
Chat to us online
Start a web chat if you a question about applying (we can’t give advice about choosing a mortgage during web chats).
Call us
Call us1 any time – lines may be closed at off-peak times on bank holidays and during Christmas.
0800 197 1081
Track It
If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.