Barclays cuts mortgage rate to 3.75%

19 August 2025

We’re making further cuts to our mortgage range, with all changes effective from today, Tuesday 19th August. One of our biggest drops is to the 2 Yr Fixed, which will decrease from 4.01% to 3.79% (£899 product fee, 75% LTV).

We’re also dropping the 2 Yr Fixed (60% LTV) from 3.84% to 3.75% (£899 product fee).

New products
Residential

Purchase only

• 4.05% 2 Yr Fixed £0 product fee, 80% LTV, Min loan £5k, Max loan £2m

Remortgage only

• 4.46% Great Escape™ 2 Yr Fixed £0 product fee, 80% LTV, Min loan £50k, Max loan £2m

Existing product decreases
Residential

Purchase only

• 3.83% Premier 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.74%
• 3.84% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.75%
• 4.11% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.95%
• 4.00% Premier 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.78%
• 4.01% 2 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.79%
• 4.23% 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.99%
• 4.02% 3 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.97%
• 4.07% 3 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.99%
• 3.98% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.94%
• 3.99% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.95%
• 4.11% 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.98%
• 4.22% 5 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.09%
• 4.01% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.85%
• 4.13% Green Home 2 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.89%
• 3.89% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.85%
• 4.01% Green Home 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.88%

Remortgage only

• 4.07% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.96%
• 4.48% Great Escape™ 2 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.23%
• 3.95% 3 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.90%
• 4.10% 3 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.06%
• 3.93% Premier 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.92%
• 3.94% 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.93%
• 4.09% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.95%
• 4.21% Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.14%

Purchase and Remortgage

• 3.94% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.92%
• 4.01% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 3.96%
• 3.99% 5 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m will decrease to 3.95%
• 4.05% 5 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.97%
• 4.11% 5 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 3.98%

Existing Customer Reward Range
Existing product decreases

• 3.99% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.96%
• 4.40% EMC Reward 2 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.23%
• 4.39% EMC Reward 2 Year Fixed £999 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.24%
• 4.77% EMC Reward 2 Year Fixed £0 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.46%
• 3.95% EMC Reward 3 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.90%
• 4.10% EMC Reward 3 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.06%
• 3.99% EMC Reward 5 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.95%