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Barclays cuts more mortgages below 4%

29 April 2025

We’re making further reductions to mortgage rates. After being the first major lender to go sub-4% in April, we’ve brought an additional six products under 4%, including for existing mortgage customers. Our biggest single drop will be 33bps, on a remortgage 2yr Fixed 75%, £999 product fee.

Existing product decreases

Residential

Purchase Only

3.98% Premier 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.91%
3.99% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.92%
4.24% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.18%
4.12% Premier 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.98%
4.13% 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
4.33% 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.27%
4.49% 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.25%
4.68% 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.45%
4.18% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.15%
3.99% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.93%
3.98% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.92%
4.36% 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.28%
4.46% 5 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.37%
4.14% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.08%
4.23% Green Home 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.17%
4.39% Green Home 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.15%
3.89% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.83%
4.26% Green Home 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m, will decrease to 4.18%

Remortgage

4.20% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.95%
4.21% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.96%
4.52% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease o 4.19%
4.60% Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m, will decrease to 4.37%
4.89% Great Escape™ 2 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m, will decrease to 4.62%
4.12% Premier 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.95%
4.13% 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.96%
4.20% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.09%
4.30% Great Escape™ 5 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m, will decrease to 4.15%
4.32% Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m, will decrease to 4.27%

Existing Customer Reward Range: Existing product decreases

Residential

4.06% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 3.95%
4.36% EMC Reward 2 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 4.30%
4.26% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m, will decrease to 4.18%
3.98% EMC Reward 5 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 3.95%
4.16% EMC Reward 5 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m, will decrease to 4.08%
4.25% EMC Reward 5 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m, will decrease to 4.20%
4.66% EMC Reward 5 Year Fixed £0 product fee, 85% LTV, Min loan £1k, Max loan £2m, will decrease to 4.64%
4.75% EMC Reward 10 Year Fixed £749 product fee, 75% LTV, Min loan £1k, Max loan £2m, will decrease to 4.65%
4.21% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 4.15%
4.22% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 4.09%
4.36% Rate Switch only EMC Reward 2 Year Fixed £1999 product fee, Over 70% LTV, Min loan £2m, Max loan £10m, will decrease to 4.29%
4.37% Rate Switch only EMC Reward 5 Year Fixed £1999 product fee, Over 70% LTV, Min loan £2m, Max loan £10m, will decrease to 4.28%