Barclays makes more cuts to mortgage rates

08 July 2025

We’re making more cuts to our mortgage rates across a very wide range of products – all changes are effective from tomorrow, Wednesday 9th July. These latest reductions will provide a further boost for first-time buyers and homeowners; data from the latest Barclays Property Insights report reveals that consumer spending on rent and mortgages reduced for the fourth consecutive month in June, as Barclays and the wider market continue to lower mortgage rates.

New products

Residential
Purchase only

• 4.04% 3 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m
• 4.09% 3 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m

Existing product Decreases

Residential
Remortgage only

• 5.19% 2 Yr Fixed £999 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.67%
• 4.97% 5 Yr Fixed £999 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.52%
• 5.07% Great Escape™ 5 Yr Fixed £0 product fee, 85% LTV, Min loan £50k, Max loan £2m will decrease to 4.62%

Large loans

• 4.21% 2 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m will decrease to 3.91%
• 4.36% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 4.03%
• 4.52% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 4.14%
• 4.09% 5 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m will decrease to 3.99%
• 4.15% 5 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 4.06%
• 4.20% 5 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 4.12%
• 4.63% 5 Yr Fixed £1999 product fee, 85% LTV, Min loan £2m, Max loan £5m will decrease to 4.52%

Existing product Decreases

Buy To Let

• 4.85% 2 Yr Fixed £2495 product fee, 60% LTV, Min loan £1m, Max loan £2m will decrease to 4.35%
• 4.65% 5 Yr Fixed £2495 product fee, 60% LTV, Min loan £1m, Max loan £2m will decrease to 4.15%
• 5.08% 2 Yr Fixed Purchase Only £1295 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.58%
• 4.52% 5 Yr Fixed Purchase Only £1295 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.15%
• 4.85% 2 Yr Fixed Remortgage Only £0 product fee, 60% LTV, Min loan £35k, Max loan £1m will decrease to 4.65%
• 4.71% 2 Yr Fixed Remortgage Only £1795 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.22%
• 4.42% 5 Yr Fixed Remortgage Only £0 product fee, 60% LTV, Min loan £35k, Max loan £1m will decrease to 4.33%
• 4.26% 5 Yr Fixed Remortgage Only £1795 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.17%
• 4.64% 5 Yr Fixed Remortgage Only £0 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.50%
• 4.71% 2 Yr Fixed Portfolio £2495 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.22%
• 4.98% Green Home BTL 2 Yr Fixed £1295 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.48%
• 4.42% Green Home BTL 5 Yr Fixed £1295 product fee, 75% LTV, Min loan £35k, Max loan £1m will decrease to 4.05%

Existing Customer Reward Range
New Products

Residential

• 3.92% EMC Reward 5 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m

Existing product Decreases

Residential

• 3.98% EMC Reward 3 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.95%
• 4.13% EMC Reward 3 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.10%

Large loans

• 4.20% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.91%
• 4.05% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.99%
• 4.29% Rate Switch only EMC Reward 2 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 4.03%
• 4.10% Rate Switch only EMC Reward 5 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 4.06%

Buy To Let

• 4.40% EMC Reward BTL 2 Year Fixed £1795 product fee, 65% LTV, Min loan £5k, Max loan £1m will decrease to 4.10%
• 4.78% EMC Reward BTL 2 Year Fixed £0 product fee, 65% LTV, Min loan £5k, Max loan £1m will decrease to 4.48%
• 4.55% EMC Reward BTL 2 Year Fixed £1795 product fee, 75% LTV, Min loan £5k, Max loan £1m will decrease to 4.15%
• 5.05% EMC Reward BTL 2 Year Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £1m will decrease to 4.52%
• 4.25% EMC Reward BTL 5 Year Fixed £1795 product fee, 65% LTV, Min loan £5k, Max loan £1m will decrease to 4.08%
• 4.42% EMC Reward BTL 5 Year Fixed £0 product fee, 65% LTV, Min loan £5k, Max loan £1m will decrease to 4.30%
• 4.26% EMC Reward BTL 5 Year Fixed £1795 product fee, 75% LTV, Min loan £5k, Max loan £1m will decrease to 4.13%
• 4.64% EMC Reward BTL 5 Year Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £1m will decrease to 4.49%
• 5.64% EMC Reward BTL 2 Year Fixed £0 product fee, Over 75%LTV, Min loan £5k, Max loan £1m will decrease to 5.10%
• 4.99% EMC Reward BTL 5 Year Fixed £0 product fee, Over 75%LTV, Min loan £5k, Max loan £1m will decrease to 4.73%
• 4.85% EMC Reward BTL 2 Year Fixed £1795 product fee, 60% LTV, Min loan £1m, Max loan £2m will decrease to 4.35%
• 4.65% EMC Reward BTL 5 Year Fixed £1795 product fee, 60% LTV, Min loan £1m, Max loan £2m will decrease to 4.15%