Barclays cuts mortgage rates

13 August 2025

We wanted to share our latest mortgage rate cuts, with all changes effective from tomorrow, Thursday 14th August.

Existing product decreases
Residential

Purchase only

• 4.22% 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.12%
• 4.63% 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.43%
• 5.05% 2 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k will decrease to 4.88%
• 4.75% 2 Yr Fixed £1999 product fee, 85% LTV, Min loan £2m, Max loan £5m will decrease to 4.39%
• 4.29% 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.12%
• 4.37% 5 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.23%
• 4.99% 5 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k will decrease to 4.80%
• 4.60% 5 Yr Fixed £1999 product fee, 85% LTV, Min loan £2m, Max loan £5m will decrease to 4.20%
• 4.12% Green Home 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.02%
• 4.19% Green Home 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.02%

Remortgage only

• 4.75% 2 Yr Fixed £999 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.39%
• 4.60% 5 Yr Fixed £999 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.20%
• 4.70% Great Escape™ 5 Yr Fixed £0 product fee, 85% LTV, Min loan £50k, Max loan £2m will decrease to 4.40%

Purchase and Remortgage

• 3.97% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.94%
• 4.07% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 4.01%

Existing Customer Reward Range
Existing product decreases

Residential

• 4.47% EMC Reward 2 Year Fixed £999 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.39%
• 4.31% EMC Reward 5 Year Fixed £999 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.20%
• 4.48% EMC Reward 5 Year Fixed £0 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.40%