Rates effective from 10 September 2024
(Barclays mortgage customer use)
To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rate
switch, please call 0333 202 7578*
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.
*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutes
and discount schemes you may have.
This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availability
and may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.
Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).
Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
The rates on the following pages aren’t available for home purchase. You can download more information about
our home purchase mortgage rates at barclays.co.uk/mortgages
*Subject to product availability, status and application. Terms and conditions apply
Reward rates explained
The following terms are used in the rate tables:-
• Bank of England Base Rate (BEBR) is a variable rate set by the Bank of England. BEBR is currently 5.00%.
• Your Loan to Value (LTV) is how much you have borrowed, expressed as a percentage of your property
value. The amount you have borrowed against your property is calculated as your total aggregate lending.
• Aggregate lending is your total borrowing amount with Barclays i.e. the total you have outstanding on the
mortgage accounts secured on your property and includes your Mortgage Current Account overdraft limit,
if you have one.
• Additional borrowing is limited to a maximum 85% of your property’s value for residential mortgages
(80% if any of the borrowing is to be used to repay outstanding debt) and would include the extra money
you want to borrow and your current mortgage. For buy-to-let mortgages the maximum is 75%.
Exclusive rates for Existing Mortgage Customers
Our Existing Mortgage Customer (EMC) Reward rates are exclusively available for existing
mortgage customers when switching rates or borrowing additional funds.
Switching to a new rate
If you are looking to switch the rate on your existing Barclays mortgage, you may be eligible to do so online without
advice. If you would prefer to receive advice, call us to arrange an appointment with one of our mortgage advisers.
Borrowing more on your Barclays mortgage
If your home is worth more than your remaining mortgage balance, you may be able to borrow further funds for home
improvements, a special purchase and more. Your total borrowing, which includes the extra money you want to
borrow and your current mortgage, would be limited to a maximum percentage of your property’s value (see below)
Thinking of moving home?
Our mortgages are portable*, which means you may be able to apply to move your
existing mortgage rate across to your new home.
This may be useful if you are trying to avoid early repayment charges.