Mortgage rates

Barclays mortgage rates today Updated every night.

58 Barclays deals for buying a home, from 4.37%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.

Lowest rate: 4.37%
Deals for buying a home: 58
Loan to value: 60% to 95%
Read from its site: 12 Nov 2026

Work out Barclays’ deals for your price and deposit

Barclays 2 year fixed mortgage rates

Barclays’ lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Barclays 2 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	4.95%	2 Yr Fixed£899 fee	4.87%NatWest
75% LTV25% deposit	5.02%	Premier 2 Yr Fixed£899 fee	5.00%Yorkshire Building Society
85% LTV15% deposit	5.29%	2 Yr Fixed£899 fee	5.10%Yorkshire Building Society
90% LTV10% deposit	5.30%	2 Yr Fixed

Barclays 3 year fixed mortgage rates

Barclays’ lowest 3-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Barclays 3 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.50%	3 Yr Fixed£899 fee	4.94%Nationwide Building Society
75% LTV25% deposit	5.50%	3 Yr Fixed£899 fee	5.05%Nationwide Building Society
85% LTV15% deposit	5.50%	3 Yr Fixed£899 fee	5.12%Nationwide Building Society
90% LTV10% deposit	5.50%	3 Yr Fixed£899 fee	5.25%Nationwide Building Society
95% LTV5% deposit	5.56%	3 Yr Fixed£899 fee	The lowest here

Barclays 5 year fixed mortgage rates

Barclays’ lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Barclays 5 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	4.82%	Green Home 5 Yr Fixed£899 fee	The lowest here
75% LTV25% deposit	4.88%	Green Home 5 Yr Fixed£899 fee	The lowest here
85% LTV15% deposit	5.00%	Premier 5 Yr Fixed£899 fee	The lowest here
90% LTV10% deposit	5.00%	Premier 5 Yr Fixed£899 fee	The lowest here
95% LTV5% deposit	5.64%	5 Yr Fixedno fee	5.58%Skipton Building Society

Barclays 10 year fixed mortgage rates

Barclays’ lowest 10-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Barclays 10 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.52%	10 Yr Fixed£999 fee	5.29%Santander

Barclays tracker mortgage rates

Barclays’ lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is Barclays’ own, already at today’s Bank Rate.

Barclays tracker mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	4.37%	Premier 2 Yr Tracker at BEBR +0.37%£999 fee	4.08%Santander
75% LTV25% deposit	4.51%	2 Yr Tracker at BEBR +0.51%£999 fee	4.20%Santander
85% LTV15% deposit	4.60%	2 Yr Tracker at BEBR +0.60%£999 fee	4.30%Santander
90% LTV10% deposit	5.10%	2 Yr Tracker at BEBR +1.10%£999 fee	4.91%Nationwide Building Society

Barclays mortgage rate changes

Every change Barclays made to the rates it publishes for buying a home in the last 4 weeks, read from its own site each night: 23 rates cut, 2 new deals and 2 deals withdrawn. Newest first.

Show all 26 changes

Barclays mortgage rate changes, newest first
Lender and deal	Read on	Loan to value	Was	Now	Change
Barclays2 Yr Fixed, 2-year fixed	11 Nov 2026	95%	5.71%	5.66%	Cut 0.05points
Barclays2 Yr Fixed, 2-year fixed	11 Nov 2026	90%	5.62%	5.42%	Cut 0.20points
Barclays2 Yr Fixed, 2-year fixed	11 Nov 2026	85%, 90%	5.48% to 5.49%	5.29% to 5.30%	Cut 0.19points
Barclays2 Yr Fixed, 2-year fixed	11 Nov 2026	85%	5.61%	5.40%	Cut 0.21points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	95%	5.69%	5.64%	Cut 0.05points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	90%	5.63%	5.28%	Cut 0.35points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	90%	5.33%	5.20%	Cut 0.13points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	85%	5.55%	5.27%	Cut 0.28points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	80%	5.48%	5.26%	Cut 0.22points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	75%	5.45%	5.11%	Cut 0.34points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	75%	5.30%	4.98%	Cut 0.32points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	60%	5.14%	5.02%	Cut 0.12points
Barclays5 Yr Fixed, 5-year fixed	11 Nov 2026	60%	4.99%	4.92%	Cut 0.07points
BarclaysGreen Home 2 Yr Fixed, 2-year fixed	11 Nov 2026	90%	5.52%	5.32%	Cut 0.20points
BarclaysGreen Home 2 Yr Fixed, 2-year fixed	11 Nov 2026	85%	5.51%	5.30%	Cut 0.21points
BarclaysGreen Home 5 Yr Fixed, 5-year fixed	11 Nov 2026	85%	5.45%	5.17%	Cut 0.28points
BarclaysGreen Home 5 Yr Fixed, 5-year fixed	11 Nov 2026	75%	5.20%	4.88%	Cut 0.32points
BarclaysGreen Home 5 Yr Fixed, 5-year fixed	11 Nov 2026	60%	4.89%	4.82%	Cut 0.07points
BarclaysGreen Home 5 Yr Fixed, 5-year fixed	11 Nov 2026	90%	5.53%	5.18%	Cut 0.35points
BarclaysPremier 2 Yr Fixed, 2-year fixed	11 Nov 2026	85%	5.56%	5.35%	Cut 0.21points
BarclaysPremier 5 Yr Fixed, 5-year fixed	11 Nov 2026	90%	5.13%	5.00%	Cut 0.13points
BarclaysPremier 5 Yr Fixed, 5-year fixed	11 Nov 2026	80%	5.45%	5.23%	Cut 0.22points
Barclays2 Yr Tracker at BEBR +0.60%, 2-year tracker	11 Nov 2026	85%	New	4.60%	New deal
BarclaysPremier 2 Yr Tracker at BEBR +0.37%, 2-year tracker	11 Nov 2026	60%	New	4.37%	New deal
Barclays2 Yr Tracker at BEBR +0.74%, 2-year tracker	11 Nov 2026	85%	On its page	Not on its page	Withdrawn
BarclaysPremier 2 Yr Tracker at BEBR +0.24%, 2-year tracker	11 Nov 2026	60%	On its page	Not on its page	Withdrawn

Barclays mortgage calculator: what you would pay

The monthly repayment on a £300,000 home over 30 years at Barclays’ lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.

Barclays monthly repayments on a £300,000 home by deposit
Deposit	Loan	Rate	Monthly payment
5% deposit£15,000	£285,000	5.66%Barclays	£1,647
10% deposit£30,000	£270,000	5.30%Barclays	£1,499
15% deposit£45,000	£255,000	5.29%Barclays	£1,414
25% deposit£75,000	£225,000	5.02%Barclays	£1,211
40% deposit£120,000	£180,000	4.95%Barclays	£961

Every Barclays mortgage deal

All 58 deals Barclays publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.

Show all 58 deals

Every Barclays mortgage deal for buying a home
Deal	Up to	Rate	Then	Fee
Barclays2 Yr Fixed · £899 fee	60% LTV	4.95%2-year fixed	5.99%	£899
BarclaysGreen Home 2 Yr Fixed · no fee	60% LTV	5.00%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · no fee	60% LTV	5.10%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · £1,999 fee	60% LTV	5.31%2-year fixed	5.99%	£1,999
Barclays2 Yr Fixed · £1,999 fee	70% LTV	5.34%2-year fixed	5.99%	£1,999
BarclaysPremier 2 Yr Fixed · £899 fee	75% LTV	5.02%2-year fixed	5.99%	£899
Barclays2 Yr Fixed · £899 fee	75% LTV	5.05%2-year fixed	5.99%	£899
BarclaysGreen Home 2 Yr Fixed · no fee	75% LTV	5.10%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · no fee	75% LTV	5.20%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · £1,999 fee	75% LTV	5.36%2-year fixed	5.99%	£1,999
Barclays2 Yr Fixed · £899 fee	80% LTV	5.15%2-year fixed	5.99%	£899
Barclays2 Yr Fixed · no fee	80% LTV	5.30%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · £899 fee	85% LTV	5.29%2-year fixed	5.99%	£899
BarclaysGreen Home 2 Yr Fixed · no fee	85% LTV	5.30%2-year fixed	5.99%	No fee
BarclaysPremier 2 Yr Fixed · no fee	85% LTV	5.35%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · no fee	85% LTV	5.40%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · £1,999 fee	85% LTV	5.74%2-year fixed	5.99%	£1,999
Barclays2 Yr Fixed · £899 fee	90% LTV	5.30%2-year fixed	5.99%	£899
BarclaysGreen Home 2 Yr Fixed · no fee	90% LTV	5.32%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · no fee	90% LTV	5.42%2-year fixed	5.99%	No fee
Barclays2 Yr Fixed · no fee	95% LTV	5.66%2-year fixed	5.99%	No fee
Barclays3 Yr Fixed · £899 fee	90% LTV	5.50%3-year fixed	5.99%	£899
Barclays3 Yr Fixed · £899 fee	95% LTV	5.56%3-year fixed	5.99%	£899
BarclaysGreen Home 5 Yr Fixed · £899 fee	60% LTV	4.82%5-year fixed	5.99%	£899
Barclays5 Yr Fixed · £899 fee	60% LTV	4.92%5-year fixed	5.99%	£899
Barclays5 Yr Fixed · no fee	60% LTV	5.02%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · £1,999 fee	60% LTV	5.38%5-year fixed	5.99%	£1,999
Barclays5 Yr Fixed · £1,999 fee	70% LTV	5.42%5-year fixed	5.99%	£1,999
BarclaysGreen Home 5 Yr Fixed · £899 fee	75% LTV	4.88%5-year fixed	5.99%	£899
Barclays5 Yr Fixed · £899 fee	75% LTV	4.98%5-year fixed	5.99%	£899
Barclays5 Yr Fixed · no fee	75% LTV	5.11%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · £1,999 fee	75% LTV	5.45%5-year fixed	5.99%	£1,999
BarclaysPremier 5 Yr Fixed · no fee	80% LTV	5.23%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · no fee	80% LTV	5.26%5-year fixed	5.99%	No fee
BarclaysGreen Home 5 Yr Fixed · no fee	85% LTV	5.17%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · no fee	85% LTV	5.27%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · £1,999 fee	85% LTV	5.74%5-year fixed	5.99%	£1,999
BarclaysPremier 5 Yr Fixed · £899 fee	90% LTV	5.00%5-year fixed	5.99%	£899
BarclaysGreen Home 5 Yr Fixed · no fee	90% LTV	5.18%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · £899 fee	90% LTV	5.20%5-year fixed	5.99%	£899
Barclays5 Yr Fixed · no fee	90% LTV	5.28%5-year fixed	5.99%	No fee
Barclays5 Yr Fixed · no fee	95% LTV	5.64%5-year fixed	5.99%	No fee
BarclaysSpringboard 5 Yr Fixed · no fee	95% LTV	5.73%5-year fixed	5.99%	No fee
BarclaysSpringboard 5 Yr Fixed · no fee	100% LTV	5.74%5-year fixed	5.99%	No fee
Barclays10 Yr Fixed · £999 fee	60% LTV	5.52%10-year fixed	5.99%	£999
BarclaysPremier 2 Yr Tracker at BEBR +0.37% · £999 fee	60% LTV	4.37%2-year tracker	5.99%	£999
Barclays2 Yr Tracker at BEBR +0.42% · £999 fee	60% LTV	4.42%2-year tracker	5.99%	£999
Barclays2 Yr Tracker at BEBR +0.45% · £1,999 fee	60% LTV	4.45%2-year tracker	5.99%	£1,999
Barclays2 Yr Tracker at BEBR +0.55% · £1,999 fee	70% LTV	4.55%2-year tracker	5.99%	£1,999
Barclays2 Yr Tracker at BEBR +0.51% · £999 fee	75% LTV	4.51%2-year tracker	5.99%	£999
Barclays2 Yr Tracker at BEBR +0.57% · £1,999 fee	75% LTV	4.57%2-year tracker	5.99%	£1,999
BarclaysPremier 2 Yr Offset Tracker at BEBR +0.92% · £1,749 fee	75% LTV	4.92%2-year tracker	5.99%	£1,749
Barclays2 Yr Offset Tracker at BEBR +1.07% · £1,749 fee	75% LTV	5.07%2-year tracker	5.99%	£1,749
Barclays2 Yr Tracker at BEBR +0.60% · £999 fee	85% LTV	4.60%2-year tracker	5.99%	£999
Barclays2 Yr Tracker at BEBR +1.10% · £999 fee	90% LTV	5.10%2-year tracker	5.99%	£999
Barclays5 Yr Tracker at BEBR +0.60% · £999 fee	60% LTV	4.60%5-year tracker	5.99%	£999
Barclays5 Yr Offset Tracker at BEBR +1.10% · £1,749 fee	75% LTV	5.10%5-year tracker	5.99%	£1,749
Barclays5 Yr Tracker at BEBR +1.00% · £999 fee	85% LTV	5.00%5-year tracker	5.99%	£999

Barclays mortgage rates: your questions

What are Barclays’ mortgage rates today?

Barclays’ lowest rate for buying a home today is 4.37%, its 2-year tracker at up to 60% LTV, with a £999 fee. With a 10% deposit its lowest is 5.00% (5-year fixed). With a 5% deposit, 5.56% (3-year fixed). Read from Barclays’ own site on 12 November 2026.

Has Barclays cut or raised its mortgage rates?

Yes: on 11 November 2026 Barclays cut its 2 Yr Fixed (2-year fixed) by 0.05 points at 95% LTV, to 5.66%. In the last 4 weeks it cut 23 rates and raised 0 rates for buying a home, read from its own site each night.

Every lender’s rate changes

Does Barclays offer 95% mortgages?

Yes: Barclays publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.56%, a 3-year fixed with a £899 fee: about £1,629 a month on a £300,000 home over 30 years.

95% mortgage rates from every lender

What rate does Barclays charge after the deal ends?

Most Barclays deals move to 5.99% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.

Does Barclays charge a mortgage product fee?

Barclays publishes deals with no fee, £899, £999, £1,749, £1,999 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.

Does Barclays lend on new-build homes?

Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.

New build mortgage rates from every lender

Where do these mortgage rates come from?

From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.

Compare every lender’s rates for your deposit

How we read the rates

From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.

An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.