Barclays cuts mortgage rates

10 April 2025

We’re making some further significant reductions to mortgage rates – some by as much as 38bps. Several of our ‘regular’ (non-Premier) products are now below 4%. All changes are effective from tomorrow, Friday 11th April.

Some changes to call out:

• 4.11% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
• 4.12% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
• 5.28% Mortgage Guarantee 2 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k, will decrease to 4.90%

This follows several recent moves we’ve made to make home ownership more affordable, including:

• Zero deposit mortgages for Right to Buy applicants
• Introduction of Mortgage Boost
• Increasing the maximum loan amounts for high LTV purchases

Full list of our product changes below:

Existing product decreases

Residential
Purchase Only

• 4.10% Premier 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.98%
• 4.11% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
• 4.36% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.24%
• 4.24% Premier 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.12%
• 4.25% 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.13%
• 4.45% 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.33%
• 4.79% Premier 2 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k, will decrease to 4.64%
• 4.80% 2 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k, will decrease to 4.65%
• 5.00% 2 Yr Fixed £0 product fee, 90% LTV, Min loan £5k, Max loan £640k, will decrease to 4.84%
• 4.32% Premier 3 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
• 4.23% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.18%
• 4.12% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
• 4.11% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.98%
• 4.19% 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.14%
• 4.35% 5 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.27%
• 4.26% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.14%
• 4.35% Green Home 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.23%
• 4.90% Green Home 2 Yr Fixed £0 product fee, 90% LTV, Min loan £5k, Max loan £640k, will decrease to 4.74%
• 4.02% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.89%
• 4.09% Green Home 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.04%
• 5.32% Springboard 5 Yr Fixed £0 product fee, 95% LTV, Min loan £5k, Max loan £500k, will decrease to 4.97%
• 5.64% Springboard 5 Yr Fixed £0 product fee, 100% LTV, Min loan £5k, Max loan £500k, will decrease to 5.29%
• 5.28% Mortgage Guarantee 2 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k, will decrease to 4.90%
• 5.03% Mortgage Guarantee 5 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k, will decrease to 4.84%

New products

Residential
Purchase Only

• 4.39% Green Home 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m
• 4.26% Green Home 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m