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Mortgage options

For all kinds of adventures

Take a look at the range of mortgages we can offer to help with your plans.

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

  • Whatever your needs, we have a mortgage for you
  • Explore some innovative ways to afford your mortgage
  • Work out what you could borrow and what your payments may be

Explore our mortgages

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.

Offset mortgages

Offset mortgages

Put your savings to work with an offset mortgage

Reduce your monthly payments or pay off your mortgage sooner by offsetting other accounts with us against your mortgage balance – find out how.

Great Escape mortgages

Save money when you remortgage with us

You could save thousands of pounds when you switch to us from your current lender because we won't charge you application, valuation or standard legal fees.

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.

Interest only mortgages

Interest-only mortgages

How do they work?

Pay the mortgage interest each month without reducing the balance. You’ll need to have a realistic plan to repay the balance by the time the mortgage ends.

Helping you afford a mortgage

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.

Joint mortgages

Buying property with other people

Buying with your partner, family or friends can make sense, so long as you weigh up the benefits and risks of taking out a joint mortgage with others.

Help to buy centre

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.

Mortgage borrowing calculator

How much could you borrow?

Calculate how much you could borrow as a mortgage for a property you’ll live in, based on your salary or other income, and your financial situation.

Mortgage cost calculator

How much would a mortgage cost?

See examples of costs for different mortgage types and interest rates.

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.