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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

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.

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

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

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 centre

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.

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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.