Barclays cuts mortgage rates

30 October 2025

We’re cutting mortgage rates – with several further below 4% (including one at 3.72%) and further cuts to our 95% LTV range. All changes are effective from tomorrow, Friday 31st October.

Existing product decreases

Purchase only

• 3.85% Premier 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.72%
• 3.86% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.73%
• 4.06% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.93%
• 4.87% 2 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k will decrease to 4.82%
• 4.00% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.97%
• 4.01% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.98%
• 4.19% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.09%
• 4.82% 5 Yr Fixed £0 product fee, 95% LTV, Min loan £25k, Max loan £570k will decrease to 4.79%
• 3.96% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.83%
• 3.91% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.88%