Barclays mortgages

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As one of the ‘big six’ mortgage lenders in the UK, Barclays offer a range of both residential and commercial mortgage products. We can help you compare them alongside offers from other lenders, to help ensure you’re getting the best deal possible.

What are Barclays's best mortgage rates?

Barclays offers competitive mortgage rates, particularly if you have a higher loan-to-value (LTV). However, the concept of 'best' is not solely determined by the lowest interest rate, as the lowest rates may not necessarily translate to the best deal over the course of your whole mortgage term.

What type of mortgages do Barclays offer?

Barclays offers a range of fixed and variable rate mortgages for first-time buyers and home movers at up to 95% LTV and remortgages at up to 85% LTV. They also offer buy-to-let mortgages at up to 75% LTV.

They also offer interest only residential mortgages to those with a minimum income of £75,000 or more, green mortgages and offset mortgages to those meeting the criteria. Loan terms are available of between 5 and 40 years.

Barclays Family Springboard Mortgages

Barclays Family Springboard mortgages offer a great option for those struggling to save up a substantial deposit for their first home. You can borrow the full purchase price of your home if your family provides a 10% deposit as security for five years.

How can I make a Barclays mortgage application?

You can apply with Barclays directly by phone, internet or in person. Keep in mind that going directly to the lender won’t allow you to compare their offers with other lenders’ deals, however. 

Why use Mojo to apply with Barclays?

Mojo secures Barclays mortgage offers for our customers every day, so have a substantial understanding of their application process and criteria. Our fully qualified and FCA registered advisers will help you compare Barclays deals against other lenders, and scrutinise your paperwork to prevent any potential roadblocks later on. Our service is entirely cost-free.

How much can I borrow from Barclays for a mortgage?

Barclays typically offers to lend up to 5.5 times your gross salary. While this is generally the maximum, individual cases may vary. You may be offered less if you have numerous fixed outgoings or a high loan-to-value (LTV) ratio.

Does Barclays offer buy-to-let mortgages?

Yes, Barclays offers buy-to-let mortgages for those meeting the following criteria:

  • 25 years old or over

  • 25% deposit

  • You cannot have more than 6 mortgaged rental properties with Barclays or more than 10 mortgaged rental properties in total.

Remember to compare Barclays against other buy-to-let lenders to find the best deal using Mojo's Mortgage Matcher tool. 

Does Barclays offer remortgages?

Barclays offers remortgages to those who meet their affordability and eligibility criteria. Mojo's Mortgage Matcher can help you determine whether their remortgage deals are truly the best option for you. 

If you’re already a Barclays mortgage customer and simply wish to switch your rates to avoid the higher Standard Variable Rate (SVR) we can help you with a product transfer. What’s more, you can quickly compare your Barclays offer against other lenders we work with in less than 10 minutes. 

If you do still opt to stay with Barclays, we can keep you informed of any rate changes they have with our mortgage rate checker service.

Typically, it takes up to two weeks from the point of application until you receive your mortgage offer from Barclays.

Most Barclays mortgages are portable, but always check your terms and conditions. Porting won’t always be the most cost effective option, but we can help you to find out whether you'd save more through remortgaging.

Early repayment charges typically depend on your specific mortgage deal, whether you’re in your introductory offer period, and the size of your overpayment. For overpayments above 10%, the charge is between 1% and 5% of the outstanding balance.

Details about your early repayment charges can be found in your mortgage illustration, mortgage offer, or annual statement.

Barclays allows overpayments of 10% per annum of the outstanding loan balance. 

Barclays mortgage offers last for 6 months. 

Barclays may accept some minor defaults,  CCJs, and satisfied DMPs (debt management plan), so long as they’re older than 3 months. However, if you have more serious credit issues. If you’re worried about your credit history, we can look at bad credit lenders for you.

Like most lenders, Barclays accepts self-employed applicants that have been trading for at least 24 months and can back this up with accounts and tax documentation.

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