-

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.

Loading mortgage data. Please wait...

Filter your results

Initial period
Deal type
Charges

Your mortgage options

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.

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 without a borrower deposit

Buy a home without a borrower deposit if your family or loved ones can provide 10% of the property’s price as security.

Help to buy mortgages

Get a helping hand when buying a home

Struggling to save a deposit? Help to Buy could suit you – while our Help to Buy ISA offers a bonus if you’re saving for a deposit on your first home.

Shared ownership mortgages

Buy a share of a home and pay rent on the rest

Buying a home through shared ownership means 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. 

Mortgage appointment

How to prepare

Find out which documents you’ll need and what you’ll discuss with our mortgage adviser at your appointment.

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.