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.
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
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
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
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
A way for families and friends to help with a deposit
Your family and friends can support you by providing 10% of your property’s price as security – and they’ll get their money back with interest if you keep up your mortgage payments in time.
Joint and guarantor mortgages
Buying property with other people
Buying property with your partner, family or friends can make sense, as long as you weigh up the benefits and risks of taking out a joint or guarantor mortgage.
Help to buy mortgages
You can no longer apply for the government’s Help to Buy scheme
You can no longer access the equity loan from Homes England, and you won’t be able to complete using a Help to Buy: Equity Loan mortgage. Find out more about the scheme here: www.gov.uk/help-to-buy-equity-loan
If you have any questions about your mortgage offer, please contact your mortgage advisor or broker for more information.
Shared ownership mortgages
Buy part of a home and pay rent on the rest
A government-backed scheme helps you buy a home with a fraction of the usual deposit or mortgage.
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.
How much could I borrow?
Mortgage borrowing calculator
Get a quick quote for how much you could borrow for a property you’ll live in, based on your financial situation. If you want a more accurate quote, use our affordability calculator. You’ll need to spend a little longer on this.
Mortgage cost and repayment calculator
How much would a mortgage cost?
See examples of costs for different mortgage types and interest rates.
Agreement in Principle
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.
Barclays Money Mentors
First home or new home, we’re here to help
Buying your new home should be exciting, which is why we’re here to offer you guidance on how you can achieve your goals.
Greener homes
Living a more sustainable lifestyle
A greener home is all part of living a more sustainable lifestyle. Discover some bright ideas from a range of energy-saving tips to information on renewable energy sources. You can also find out information on the latest offers available for our residential mortgage customers.
