Switch your mortgage with confidence
It’s easy to switch – whether you’re moving, improving or looking for a new rate, we’re here to help every day of the week2.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why should I remortgage?
Here are four reasons to remortgage.
1. Your current mortgage deal ends soon
This means you could move to the lender’s standard variable rate. As this is often higher, it’s a good time to check for better mortgage deals.
2. You’re paying a high interest rate
If you’re already on a standard variable rate, switching to a fixed or tracker rate could lower your monthly payments or help you pay off your mortgage sooner.
3. You want to pay off your mortgage early
Switching to a mortgage that lets you make overpayments could help you be free of your mortgage debt earlier than your original term.
4. Your property has increased in value
In this situation, you could apply to borrow more for things like home improvements. Your lower loan to value ratio could mean you’re eligible for a wider range of interest rates.
Finding a new mortgage lender
Remortgaging means moving your mortgage to a new lender while staying in the same property. Our guide can help you decide if it’s right for you.
Work out which kind of mortgage you could afford
Use our mortgage calculators to work out how much you could borrow and how much deposit you need for a mortgage.
Take the first step to your mortgage
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
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.
Move your mortgage to us
Switch to us and we’ll either waive your standard legal fees or give you cashback – our mortgage advisers will help you find the right deal for you.
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.
Mortgages for unlocking your dream home
If you're thinking of buying your dream home, we're here to help seven days a week (except bank holidays). Call our mortgage experts any day between 7am and 8pm2.
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.
If you die or become terminally ill – meaning you’re expected to live less than 12 months – life insurance could give your loved ones some financial security.
Get a quote for Barclays Simple Life Insurance or mortgage protection life insurance between 12 September and 12 December 2023, buy the policy before the quote expires and we’ll give you a £75 e-voucher to spend on a range of gifts including days out and vouchers for high-street brands.
Simply Thank You will email you between months five and six of your policy’s start date to let you know how to claim your reward. You’ll need to use your voucher by 12 December 2024.
Protect your family
Have you thought about what would happen to your loved ones if you died or became terminally ill? With Barclays Simple Life Insurance, you can give them some financial security with a one-time payment – from £6 a month.
Peace of mind for your home
Whether you’re a first-time buyer or only have a few years left on your mortgage, make sure your home is protected if you die or become terminally or critically ill.
Barclays Life Insurance is underwritten by Legal & General Assurance Society Limited. When you select ‘Get a quick quote’, we’ll take you to Legal & General’s website to complete your application securely. Terms, conditions, exclusions and eligibility criteria apply.
Our mortgage experts are available Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends. To maintain a quality service, we may monitor or record phone calls. Call charges.
If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.
You can also check our full mortgage range [PDF, 317KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.
Subject to application, financial circumstances & borrowing history. T&Cs apply
