Barclays mortgages

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Think carefully about securing debt against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

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Last updated on 01 February 2021.

Barclays Mortgages FAQ

How does a Barclays mortgage work?

A mortgage is a type of loan used to cover the costs of a property purchase. You can take out a mortgage if you don’t have the funds to buy a property outright. A mortgage from Barclays or any other lender is a secured loan, meaning that if you cannot repay the loan then your house may be repossessed, as it is used as collateral against the loan.

How much interest is there on a Barclays mortgage?

The interest rate you can expect to pay on a Barclays mortgage depends on which mortgage product you select and your individual circumstances.

What kind of mortgages do Barclays offer?

Barclays offer a variety of mortgages for people in different financial positions. Their mortgages cater to first-time buyers and those already established on the property ladder.

What is the APRC on a Barclays mortgage?

Like other banks and lenders, Barclays have an annual percentage rate charge (APRC) on their mortgage products.

All providers are required to display their mortgage product’s associated APRC when marketing a deal and should be one of the key factors you look at when comparing mortgages.

What is the initial rate for a Barclays mortgage?

The initial interest rate of a mortgage is the fixed interest you’ll pay during the introductory ‘deal’ period of your mortgage. Once that ends you will move onto the banks Standard Variable Rate (SVR)

What criteria do I have to meet to secure a Barclays mortgage?

Barclays will expect you to be able to put a deposit down on the property you wish to purchase before they will agree to a mortgage loan. You’ll also need a good credit score and the proof that you can keep up with the demands of the monthly repayments.

How much does a Barclays mortgage cost?

Barclays product fees vary so check how much you will be expected to pay. If you can’t afford a product fee now then you may wish to explore a mortgage without a product fee. However, be sure to compare the product’s terms with those that do charge product fees to ensure you get the best deal over the long term.

How much will I have to repay monthly?

Your monthly repayments costs will vary on the terms of your mortgage and the value of the property you purchased. The costs will also depend on how much of the property’s value you put down on your deposit. You can see the monthly repayment fee you’ll be expected to pay back on the right-hand side of all mortgage adverts.

What’s the maximum loan-to-value on a Barclays mortgage?

Loan-to-value or LTV simply means how much your loan will contribute to the total cost of the property you purchase. The market generally doesn’t go beyond 95% LTV but the maximum Barclays will offer you will depend on the specific product and your own personal financial circumstances.

Services offered by this provider may change over time. Always check Ts&Cs.

NerdWallet has selected Koodoo to provide you with this information-only online comparison service on a non-advised basis. NerdWallet will receive a share of the commission that Koodoo earns from the lender or from our partnered broker, Fluent Mortgages.

Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE

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