We're with you for a great range of flexible mortgages

Whether you're a first-time buyer, want to re-mortgage or switch from your current lender, or you're looking for an investment opportunity, you'll find attractive mortgage rates and a wide choice of repayment options.

With all of our great range of mortgages you can borrow up to 85% (subject to status) of the property's value so long as your deposit covers the remaining 15%. With market-leading tracker rates Barclays Bank Base Rate plus 2.99% (3.6% APR*) you can be confident you're getting a great deal on your mortgage. Application fees may also apply.

What kind of customer are you?

First-time buyer
Buying your first home is probably one of the most exciting experiences you'll ever have, but it's a big step for anyone. We're here to help you handle the challenges and enjoy the change. We believe first-time buyers should have the same choice as any other customer, so you can apply for any of the mortgages we offer. We also have a range of benefits to help make budgeting easier as you start life in your new home.

Looking to switch or re-mortgage
Getting a new mortgage could save you money and it may be easier than you think. So if the fixed or discounted period of your current mortgage is coming to an end, you may want to consider switching to us. Or maybe your home has risen in value and you're looking to release some equity. Switching your mortgage can also be a cost-effective way of borrowing larger sums of money at lower interest rates.

Property investor
If you want to balance your investments, it's worth considering property. With our investment mortgages, you'll only need to put down a relatively modest deposit. So whether you're thinking about investing for the first time or are already renting out a property or properties as part of a balanced portfolio, it could help you achieve the return you're looking for.

Types of mortgage

Whatever position you're in, we offer the following types of mortgages:

Fixed rate mortgages
No matter what happens to interest rates, you can get the security of a set monthly repayment for a specific period.

This is a great option if you're planning ahead or working to a budget.

  • A range of fixed rate periods, from 2 to 10 years
  • Know in advance how much you'll pay each month during the fixed-rate period
  • Application fees may apply

Tracker rate mortgages
This option gives you a rate that moves in line with the Barclays Bank Base Rate so you benefit from general interest rate cuts, irrespective of what happens to specific mortgage rates. Of course, if interest rates rise, your rate and monthly payment will increase too.

  • A variable rate that rises and falls with changes to the Barclays Bank Base Rate
  • If you have some spare money and rates are low and falling, you could benefit by making additional payments and therefore reduce the term of your mortgage

Mix & Match Mortgage
If you want the best of both worlds, then our Mix & Match mortgage gives you great flexibility. You can choose a combination of part fixed so you're protected when interest rates rise and part tracker so you don't miss out when rates go down.

  • Choose a combination of both fixed rate and tracker mortgages
  • Pick a tracker mortgage
  • Combined with a fixed rate for a 2, 5 or 10 year term

A mortgage that moves with you
All of the above mortgages offer the convenience of a portable mortgage. This means when you move to your new home you can take your mortgage with you. Terms and Conditions apply and are subject to change without notice.

Please note: Barclays Wealth International offer mortgages for properties in the UK, Jersey, Guernsey, Gibraltar and the Isle of Man only.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Find out more about our current mortgage interest rates.

Looking for a mortgage? Let's talk today
Call +44 (0)1624 684 305†

To download a copy of our UK mortgage brochure please use the links below:

To download a copy of our mortgage brochure for property in the Channel Islands and the Isle of Man, please use the link below:

Barclays Wealth
We're with you for a great range of flexible mortgages

Great options to help you manage your money
If you're looking for more ways to feel good about your finances, you might be interested in our other featured products which can help you work towards your short, medium and long term financial goals.

Remember that where the mortgage is denominated in a currency other than sterling, CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF THE DEBT.

Terms and conditions apply to all mortgage products. We strongly recommend that you obtain your own independent tax advice before proceeding with an offshore mortgage.

Barclays Wealth will require a first charge over the property.

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any financial difficulties, please contact us as soon as you become aware of them.

In all forms of advertising and marketing material where repayments are quoted, we will show clearly a typical Annual Percentage Rate (APR). We will also clearly indicate in all lending-related advertising issued in Jersey that we abide by the Code of Practice for Consumer Lending.

The products and services described on this page are provided by the following companies, which are part of Barclays Wealth: Barclays Bank PLC in London and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further Information on these companies and Barclays Wealth please read the Important Information .

Products and services on this site may not be available in certain jurisdictions. In particular, these products and services are not being offered in Japan or the United States or to US residents. For full details of exclusions and disclaimers please see the Important Information before proceeding. Each Barclays Wealth company reserves the right to make a final determination on whether or not you are eligible for any particular product or service.