Barclays introduces market-leading two year fixed mortgage rates

17 July 2025

Barclays introduces latest cuts across 32 mortgage products, with the introduction of market-leading rates across our two year fixed range (in italics below). All changes are effective from tomorrow, Friday 18th July.

Existing product decreases
Residential

Purchase only

3.88% Premier 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.75%
3.89% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.76%
4.09% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.03%
4.04% Premier 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.92%
4.05% 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.93%
4.28% 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.15%
4.04% 3 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 4.02%
4.09% 3 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.07%
3.98% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.90%
3.99% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.91%
4.09% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.99%
4.12% 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.03%
4.25% 5 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.14%
3.99% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.93%
4.18% Green Home 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 4.05%
3.89% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.81%
4.02% Green Home 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m, will decrease to 3.93%

Remortgage only

3.83% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.78%
3.84% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m, will decrease to 3.79%
4.14% Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m, will decrease to 4.03%

Purchase and Remortgage

3.89% 2 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m, will decrease to 3.79%
3.97% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 3.89%
4.05% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m, will decrease to 3.99%
3.99% 5 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m, will decrease to 3.91%
4.06% 5 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m, will decrease to 3.97%
4.12% 5 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m, will decrease to 4.03%

Existing Customer Reward Range
Existing product decreases

Residential

3.83% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.78%
4.12% EMC Reward 2 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.02%
3.89% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.79%
3.99% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.91%
3.97% Rate Switch only EMC Reward 2 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 3.89%
4.06% Rate Switch only EMC Reward 5 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 3.97%