Barclays makes second round of cuts to mortgages in two days

10 July 2025

we’re making further reductions to our mortgage range, with many rates going below or further below 4%. All changes are effective from tomorrow, Friday 11th July.

This is our second set of reductions in two days, following a broad range of cuts across 40 products which went live on Wednesday 9th. Of particular note, is the introduction of the joint-lowest rate for two year fixed remortgages on the market, with a lower product fee (3.83% EMC Reward 2 Year Fixed £999 product fee, 60% LTV)

Existing product Decreases
Residential

Remortgage only

3.90% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.83%
3.91% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.84%
4.14% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
4.15% Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m, will decrease to 4.14%
4.54% Great Escape™ 2 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m, will decrease to 4.40%
3.92% Premier 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.85%
3.93% 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.86%
4.06% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.01%
4.09% Great Escape™ 5 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m, will decrease to 4.00%
4.22% Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m, will decrease to 4.13%

Purchase and Remortgage

3.91% 2 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m, will decrease to 3.89%
4.03% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 3.97%
4.14% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m, will decrease to 4.05%

Existing Customer Reward Range
Existing product Decreases

Residential

3.90% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 3.83%
4.12% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m, will decrease to 3.99%
4.09% EMC Reward 5 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 4.00%
3.92% EMC Reward 5 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m, will decrease to 3.86%
3.91% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 3.89%
4.03% Rate Switch only EMC Reward 2 Year Fixed £1999 product fee, Over 70% LTV, Min loan £2m, Max loan £10m, will decrease to 3.97%