-

Wealth mortgages

Your dedicated property finance service

We offer expert finance solutions for residential property, investment property and additional borrowing – managed from start to finish by your mortgage adviser.

Your mortgage options

Residential

Whether you’re looking to buy a new property or remortgage one you already own, we offer attractive tracker and fixed-rate mortgages.

Investment

We offer loans for larger sums and for special purpose companies and trusts. Terms of up to 35 years can be arranged, with an arrangement fee based on the balance drawn.

Bespoke

If you’re borrowing more than £5m, we’ll work with you to design a bespoke solution tailored to suit your personal preferences and the property.

Selected mortgage rates

These rates are available if you’re a first-time buyer, moving home, looking to switch your current mortgage with us or remortgaging from another lender.

  • Fixed-rate mortgages Fixed-rate mortgages

    Product type

    Max loan size

    Initial interest

    Follow on rate

    Overall cost for comparison

    Product fee

    LTV

    Early repayment charge

    2-year fixed until 31 October 2021

    £5m

    2.22%

    4.24% (BEBR^, currently 0.75% +3.49%)

    3.5% APRC

    0.5% of amount borrowed

    75%

    2% of balance repaid

    5-year fixed until 31 October 2024

    £5m

    2.62%

    4.24% (BEBR^, currently 0.75% +3.49%)

    3.0% APRC

    0.5% of amount borrowed

    85%

    3% of balance repaid

    ^BEBR means the Bank of England Base Rate, which is currently 0.75% (effective 2 August 2018).

    Representative example:

    A capital and interest mortgage of £788,125 payable over 96 months on a fixed rate of 2.22% for 2 years and then our variable tracker rate of 3.49% above the Bank of England Base Rate for the remaining term would require 24 monthly payments of £8,967.79 and 72 monthly payments of £9,515.94.

    The total amount payable would be £904,430.27 made up of the loan amount plus interest and £3,940.63 (product fee), £80 (final repayment charge) and £35 (completion fee).

    The overall cost for comparison is 3.5% APRC representative.

  • Tracker mortgages Tracker mortgages

    Product type

    Max loan size

    Initial interest

    Follow on rate

    Overall cost for comparison

    Product fee

    LTV

    Early repayment charge

    2-year tracker at BEBR^ +1.36% for 2 years

    £5m

    2.11%

    4.24% (BEBR^, currently 0.75% +3.49%)

    3.5% APRC

    0.5% of amount borrowed

    75%

    None

    5-year tracker at BEBR^ + 1.61% for 5 years

    £5m

    2.36%

    4.24% (BEBR^, currently 0.75% +3.49%)

    2.8% APRC

    0.5% of amount borrowed

    75%

    None

    ^BEBR means the Bank of England Base Rate, which is currently 0.75% (effective 2 August 2018).

    Representative example:

    A capital and interest mortgage of £788,125 payable over 96 months on a variable tracker rate of 2.11% for 2 years and then our variable tracker rate of 3.49% above the Bank of England Base Rate for the remaining term would require 24 monthly payments of £8,929.21 and 72 monthly payments of £9,506.03.

    The total amount payable would be £902,790.83 made up of the loan amount plus interest and £3,940.63 (product fee), £80 (final repayment charge) and £35 (completion fee).

    The overall cost for comparison is 3.5% APRC representative.

  • Buy-to-let mortgages Buy-to-let mortgages

    Tracker rate products

    Product type

    Max loan size

    Initial interest

    Follow on rate

    Overall cost for comparison

    Product fee

    LTV

    Early repayment charge

    2-year tracker at BEBR^ +1.27% for 2 years

    £1m

    2.02%

    5.24% (BEBR^currently 0.75% +4.49%)

    4.0% APRC

    0.5% of amount borrowed

    75%

    None

    5-year tracker at BEBR^ + 1.50% for 5 years

    £1m

    2.25%

    5.24% (BEBR^ currently 0.75% +4.49%)

    2.8% APRC

    0.5% of amount borrowed

    75%

    None

    Fixed rate products

    Product type

    Max loan size

    Initial interest

    Follow on rate

    Overall cost for comparison

    Product fee

    LTV

    Early repayment charge

    2-year fixed until 31 October 2021

    £3m

    2.12%

    5.24% (BEBR^ currently 0.75% +4.49%)

    4.0% APRC

    0.5% of amount borrowed

    60%

    2% of balance repaid

    5-year fixed until 31 October 2024

    £3m

    2.35%

    5.24% (BEBR^ currently 0.75% +4.49%)

    2.9% APRC

    0.5% of amount borrowed

    60%

    3% of balance repaid

    ^BEBR means the Bank of England Base Rate, which is currently 0.75% (effective 2 August 2018).

Things to consider

  • Property is a high-risk, long-term investment, so it may not be suitable for everyone
  • If you borrow to buy an investment property and fail to keep up with the required payments, the property may be repossessed, or a receiver of rents appointed
  • We recommend you take independent tax advice on any investment or leverage. It’s important to appreciate the specific risks associated with investment leverage before making any investment decisions
  • Your home may be repossessed if you don’t keep up repayments on your home mortgage

Ready to talk?

To help us put you in touch with the right team and the right services, we have two questions to ask you.

  • /content/dam/barclaysuk/decisiontree/ready-to-talk/questions/residency/residency/_jcr_content/data/master.caas.json
  • /content/dam/barclaysuk/decisiontree/ready-to-talk/questions/investable-assets/investable-assets/_jcr_content/data/master.caas.json

Your requirements

Step 1 of

* Lines are open 24 hours a day, 7 days a week, except 25 December when lines are closed.

If you’re calling from outside the UK, please dial +44 239 387 3548.

Calls to 0800 numbers are free if made from a UK landline and international calls are charged at local rate. Mobile costs may vary – please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes.