Barclays
BankBarclays is one of the oldest and largest universal banks in the UK, offering a comprehensive range of residential, buy-to-let, and commercial mortgages. With over 330 years of heritage, Barclays combines deep financial expertise with modern digital services to serve homebuyers across the country.
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Lending Focus
Barclays offers mortgage products across 3 categories including Residential, Buy-to-Let, Commercial.
Key Features
- Cashback offers on selected mortgage products
- Family Springboard mortgage allowing parents to help without gifting a deposit
- Dedicated support for large-loan and premier banking customers
- Green Home Mortgage with preferential rates for energy-efficient properties
- Mortgage overpayment facility of up to 10% per year without early repayment charges
Pros & Cons
Pros
- Very high maximum loan amount of up to £10 million for high-value properties
- Wide product range including residential, buy-to-let, and commercial mortgages
- Family Springboard mortgage is a unique offering for first-time buyers
- Strong digital banking and mortgage management tools
Cons
- –Arrangement fees can be higher than building society competitors
- –No shared ownership or Help to Buy products available
- –Branch network has been significantly reduced in recent years
Fees & Charges
Arrangement Fee
£999 or fee-free options available
Valuation Fee
Free on most products; otherwise £300–£1,500 depending on property value
Early Repayment Charge
1–5% of the outstanding balance during the fixed or tracker period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Barclays. In the meantime, visit their website for the latest rates.
View rates on BarclaysApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£10m
Min Loan Amount
£25k
Rate Types
fixed, tracker, offset
Frequently Asked Questions
What is the Barclays Family Springboard mortgage?
Does Barclays offer mortgages for self-employed borrowers?
What is the maximum mortgage term with Barclays?
Does Barclays accept gifted deposits?
How to Apply
Direct & Broker Access
You can apply directly with Barclays or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Barclays Broker?
Find FCA-regulated mortgage brokers who have Barclays on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.