Switch rates

Exclusive rates for your home

You’ll get access to exclusive rates [PDF, 361KB] if you have a Premier mortgage with us and want to switch to a new deal – and you may be able to borrow more.

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

Your mortgage options

You can plan ahead

Arrange to switch up to 90 days before your current rate ends, or switch now if you’re already on our follow-on rate.

No switching fees

We won’t charge you any legal or valuation fees, and there are no income or affordability assessments when you switch – but you may have to pay a product fee.

How can I switch?

Have a look at our mortgage support hub to see the options available to you, and details of how to switch.

Mortgage advisers on hand

We’ll help you choose a rate that suits your needs, and guide you through the process to borrow more, change your term or anything else. Just book an appointment.

Have a look at our mortgage support hub first for the latest details on interest rate changes and switching.

Go to our support hub

See how it works

Watch our short video below to see how easy it is to switch to a new mortgage rate.

How to switch your rate

You can switch your rate online or in the Barclays app¹ – but please book an appointment if you’d like help to choose a rate or want to make other changes.

Watch our step by step guide to see how easy it is to switch your mortgage rate online

Rates for your home mortgage

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Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
3.98% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.5% APRC	3.98% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £1,000, Max loan £2,000,000)
4.06% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.2% APRC	4.06% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £1,000, Max loan £2,000,000)
4.14% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.5% APRC	4.14% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £1,000, Max loan £2,000,000)
4.16% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.6% APRC	4.16% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £1,000, Max loan £2,000,000)
4.21% 2 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.2% APRC	4.21% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	70% (Min loan £1,000, Max loan £10,000,000)
4.22% 5 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	5.5% APRC	4.22% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	70% (Min loan £1,000, Max loan £10,000,000)
4.25% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.5% APRC	4.25% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £1,000, Max loan £2,000,000)
4.26% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.3% APRC	4.26% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £1,000, Max loan £2,000,000)
4.36% 2 Year Fixed Reward (Rate Switch Only). More detailsHide detailsCompare
£1999	6.2% APRC	4.36% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	100% (Min loan £2,000,000, Max loan £10,000,000)
4.36% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.2% APRC	4.36% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £1,000, Max loan £2,000,000)
4.37% 5 Year Fixed Reward (Rate Switch Only). More detailsHide detailsCompare
£1999	5.6% APRC	4.37% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	100% (Min loan £2,000,000, Max loan £10,000,000)
4.44% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.7% APRC	4.44% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £1,000, Max loan £2,000,000)
4.48% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.2% APRC	4.48% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £1,000, Max loan £2,000,000)
4.64% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.3% APRC	4.64% (BEBR +0.14%) variable for 2 years *	6.49% variable for the remaining term *	None	60% (Min loan £1,000, Max loan £2,000,000)
4.64% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.8% APRC	4.64% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	90% (Min loan £1,000, Max loan £2,000,000)
4.66% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.8% APRC	4.66% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £1,000, Max loan £2,000,000)
4.75% 10 Year Fixed Reward. More detailsHide detailsCompare
£749	5.3% APRC	4.75% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	75% (Min loan £1,000, Max loan £2,000,000)
4.75% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.75% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £1,000, Max loan £2,000,000)
4.75% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.8% APRC	4.75% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	90% (Min loan £1,000, Max loan £2,000,000)
4.80% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.80% (BEBR +0.30%) variable for 2 years *	6.49% variable for the remaining term *	None	75% (Min loan £1,000, Max loan £2,000,000)
4.83% 10 Year Fixed Reward. More detailsHide detailsCompare
£0	5.3% APRC	4.83% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	75% (Min loan £1,000, Max loan £2,000,000)
4.85% 2 Year Tracker Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.3% APRC	4.85% (BEBR +0.35%) variable for 2 years *	6.49% variable for the remaining term *	None	70% (Min loan £1,000, Max loan £10,000,000)
4.96% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.96% (BEBR +0.46%) variable for 2 years *	6.49% variable for the remaining term *	None	90% (Min loan £1,000, Max loan £2,000,000)
4.97% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.3% APRC	4.97% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £1,000, Max loan £2,000,000)
4.98% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.98% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	90% (Min loan £1,000, Max loan £2,000,000)
4.99% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.3% APRC	4.99% (BEBR +0.49%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	60% (Min loan £1,000, Max loan £2,000,000)
5.00% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.3% APRC	5.00% (BEBR +0.50%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	75% (Min loan £1,000, Max loan £2,000,000)
5.09% 10 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	5.5% APRC	5.09% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	70% (Min loan £1,000, Max loan £10,000,000)
5.10% 5 Year Tracker Reward. More detailsHide detailsCompare
£999	6.1% APRC	5.10% (BEBR +0.60%) variable for 5 years *	6.49% variable for the remaining term *	None	60% (Min loan £1,000, Max loan £2,000,000)
5.13% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.5% APRC	5.13% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	60% (Min loan £1,000, Max loan £2,000,000)
5.19% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.4% APRC	5.19% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	90% (Min loan £1,000, Max loan £2,000,000)
5.34% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.6% APRC	5.34% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	75% (Min loan £1,000, Max loan £2,000,000)
5.36% 2 Year Tracker Reward. More detailsHide detailsCompare
£99	6.4% APRC	5.36% (BEBR +0.86%) variable for 2 years *	6.49% variable for the remaining term *	None	80% (Min loan £1,000, Max loan £2,000,000)
5.50% 5 Year Tracker Reward. More detailsHide detailsCompare
£999	6.3% APRC	5.50% (BEBR +1.00%) variable for 5 years *	6.49% variable for the remaining term *	None	85% (Min loan £1,000, Max loan £2,000,000)
5.70% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.5% APRC	5.70% (BEBR +1.20%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	90% (Min loan £1,000, Max loan £2,000,000)
5.72% 2 Year Offset Tracker Reward. More detailsHide detailsCompare
£1749	6.7% APRC	5.72% (BEBR +1.22%) variable for 2 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 2 years	80% (Min loan £1,000, Max loan £2,000,000)
5.75% 5 Year Offset Tracker Reward. More detailsHide detailsCompare
£1749	6.5% APRC	5.75% (BEBR +1.25%) variable for 5 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 5 years	80% (Min loan £1,000, Max loan £2,000,000)
5.77% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	6.3% APRC	5.77% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	115% (Min loan £1,000, Max loan £2,000,000)
5.82% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.5% APRC	5.82% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	115% (Min loan £1,000, Max loan £2,000,000)
6.31% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.7% APRC	6.31% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	90% (Min loan £1,000, Max loan £2,000,000)
6.40% 2 Year Offset Tracker Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.7% APRC	6.40% (BEBR +1.90%) variable for 2 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 2 years	70% (Min loan £2,000,000, Max loan £10,000,000)

*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).

Representative example:

A capital and interest mortgage of £146,474 payable over 242 months on a fixed rate of 5.77% for 5 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate (currently 4.50%), for the remaining term would require 60 monthly payments of £1,025.51 and 182 monthly payments of £1,074.16.

The total amount payable would be £257,107.72 made up of the loan amount plus interest and £0 (product fee), £80 (final repayment charge), £0 (completion fee).

The overall cost for comparison is 6.3% APRC representative.