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Compare Barclays Mortgages. Barclays is one of the UK’s biggest and best known banks offering a wide range of financial products. Their mortgage deals include those aimed at existing homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2022 From NatWest
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Interest only option.
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Dec-2022 From Royal Bank Of Scotland
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2025 From NatWest
Initial rate 1.55% Dec-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

If you are interested in finding out more about borrowing with Barclays, the following information should come in useful. Being confident that you have a good understanding of the different borrowing types on offer means you are much more likely to end up with a decision you feel happy with.

Compare Barclays mortgages

Barclays range of mortgages provide secured borrowing for various purposes. Which is mostly likely to suit you will depend upon your unique requirements and circumstances.

First Time Buyers

If you are looking to get on the first rung of the property ladder, there are mortgages aimed specifically at customers like you. Barclays offer two types of mortgages – fixed rate and tracker.

Barclays tracker mortgages have interest rates that change in line with the Barclays Bank Base Rate which reflects changes in the wider economy. A fixed rate mortgage will keep your interest rates at a set level for a certain period, giving you some stability, before switching to a variable rate later.

If you are a first time buyer you may be able to get a mortgage with no deposit if you have a close family member who can provide 10% of the property’s value as security.

Buy to Let

Buying property to rent out can be a really good investment and Barclays offer mortgages specifically aimed at this kind of landlord. To qualify you will need to be at least 21 and own your own home. You can then borrow up to £1million per property. You must not have more than 6 mortgaged properties at a time and Barclays will only lend you £3million in total in buy to let mortgages.

Remortgaging with Barclays

Whether you want to raise some extra money or cut down your monthly repayments, remortgaging can be an effective way to do this. How cost-effective this will be is likely to depend on how good a deal you had on your original mortgage. If you are looking to borrow more, it can sometimes be cheaper to take out a separate, second charge mortgage.

Loan to value ratio

How much you are likely to be able to borrow will depend in large part on your loan to value (LTV) ratio. This is a way of showing how much you are aiming to borrow in total against a property (including any existing debt) versus the property’s market value.

For example, if you want to borrow £50,000 on a property worth £100,000 your LTV would be 50%. If you later wanted to borrow an extra £25,000, your LTV would increase to 75%. The higher your LTV, the higher the interest rates you are likely to be offered.

Find the best deals on mortgage rates

Our mortgage calculator (see the top of the page) takes the hassle out of finding a great mortgage deal. Instead of having to manually check with every single provider, we can show you all the best deals we have sourced from across the market in one place.

All you have to do is put in some basic information, such as how much you want to borrow, how long for and why and we will do the rest. That way you can quickly and easily compare the various offers that match your requirements and find a great deal for you.  

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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