Remortgage guides
How remortgaging works
Find out why moving your mortgage to us from your current lender could be right for you – and how the remortgaging process works.
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 of remortgaging? Moving to a new lender means you could get a different mortgage type or interest rate for your current home or a home you plan to move to. Some people remortgage to borrow 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 paid off a significant part of your mortgage since it started.
Your first steps
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
Our best 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
Protect your home
Get a price in under four minutes online for home insurance that’s rated 5 Star by Defaqto. You can tailor the cover to protect what’s important to you.
Barclays Home Insurance is provided by Gresham Insurance Limited. Terms, conditions, exclusions and eligibility criteria apply.
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.
Barclays Life Insurance for Mortgage Holders
Making sure your home is protected
Whether you’re a first-time buyer or have a few years left on your mortgage, make sure your home is protected if you die or become terminally or critically ill. With Barclays Life Insurance for Mortgage Holders, you'll get a one-time lump sum to pay your outstanding mortgage if a successful claim is made. Cover starts from £6 a month.
Need some help?
Call us
Call us2 any time – lines may be closed at off-peak times on bank holidays and during Christmas.
0333 202 7580
Track It
If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.