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Remortgage with us

Switch your mortgage with confidence

Whether you’re moving, improving or looking for a new rate, we’re ready to help 24/7 – so it’s easier to switch1.

  • See if you could be eligible to borrow the amount you need with an online Agreement in Principle – it won't affect your credit score
  • We make applying easier, with mortgage appointments available in the evening and at weekends
  • Sort out your mortgage at your own pace – upload documents when you’re ready and sign your mortgage documents online

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

What does it mean when you remortgage? Remortgaging is when you apply to move from your current mortgage lender to a new one. The word is sometimes confused with switching to a new type of mortgage or a different interest rate with your current mortgage lender.

What are the benefits and advantages of remortgaging? The benefits of remortgaging with a new lender can include getting a different interest rate or mortgage type, or borrowing more money for home improvements or a big purchase. You might be able to get a lower rate by remortgaging because your loan to value could be lower if you’ve paid off a significant part of your mortgage since it started.

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.

Your first steps

How does remortgaging work?

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.

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.

Your remortgage options

Compare our remortgage interest rates

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.

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.

Premier Mortgages

Switch your mortgage with confidence

Whether you’re moving, improving or looking for a new rate, we’re ready to help.

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.

Cover for the things that matter the most

Barclays Home Insurance

Get £50 off select smart home bundles from Hive

Get a quote for home insurance between 2 November 2020 and 31 January 2021, take out a policy and get £50 off select smart home bundles from Hive if you’re new to us. Terms, conditions and exclusions apply2.

Barclays Simple Life Insurance

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 per month.

Life Insurance is underwritten by Legal & General Assurance Society Limited. Terms, conditions, exclusions and eligibility criteria apply.

 A girl runs through an open doorway, two adults follow carrying boxes

Life insurance for mortgage protection

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.

Need some help?

Call us

0333 202 7580

Lines are open 8am to 8pm, every day. To maintain a quality service, we may monitor and record phone calls. Call charges.

Track It

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, 562KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.