Lender profile
- Barclays is one of the “big five” British banks and among the most commonly-used mortgage lenders.
- The bank offers one of the most diverse ranges of mortgages, including several aimed at first-time buyers or those looking to borrow into retirement.
What types of mortgages can I get with Barclays?
- Fixed rate A fixed-rate mortgage provides certainty as your interest rate will remain locked for a set amount of time.
- Remortgages You can switch your existing mortgage to Barclays via one of its remortgage products.
- Tracker With a tracker mortgage, your interest rate fluctuates based on the Bank of England base rate.
- Offset With an offset mortgage, you can use the money in your savings account to offset your mortgage interest.
- Buy-to-let You’ll need a buy-to-let mortgage if you’re looking to borrow money for a second property to let out.
- Shared ownership With shared ownership, you can purchase a percentage of the property, while paying rent on the rest. You can apply to purchase additional percentages of the property as and when you can afford it.
We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.
How to apply
You can apply for a Barclays mortgage via the Barclays website, in one of its branches, or by calling 0333 202 7573 to book an appointment with one of its mortgage advisers.
What information is needed to apply?
You’ll need to provide: photo ID, proof of current address, building insurance policy (if remortgaging from another lender), bank account details (from which you’ll make mortgage payments from), proof of income, details of any current debts, details of any current life/critical illness/home insurance policies, details of any other mortgages, details of the property you want to buy, plus details of the solicitor and estate agent.
Eligibility criteria
The minimum age for taking out a Barclays mortgage is 18, or 21 for buy-to-let mortgages. You’ll need to be younger than 70 before the mortgage term ends (or provide proof that you’ll be able to repay your mortgage if it extends into your retirement).
If you’re employed, you’ll need to have been in continuous employment for the last 3 months – not necessarily with the same employer, but there must be no gaps.
Barclays mortgages customer reviews
Barclays was ranked mid-table in Finder’s latest customer satisfaction survey, where 90% of Barclays mortgage customers said they would recommend the brand to a friend.
One Barclays mortgage customer in our survey said: “The advisor was excellent and ensured we were getting the best deal.”
Another commented: “Easy to deal with, professional and reliable. Respond quickly and efficiently.”
Frequently asked questions
Mortgage ratings
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
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