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Barclays cuts mortgage rates

11 November 2025

We’re cutting mortgage rates across more than 40 products, including extensive drops across our remortgage range with a low of 3.81% (2 Yr Fixed £999 product fee, 60% LTV). All changes are effective from tomorrow, Wednesday 12th November.

Existing product decreases
Residential

Purchase only

4.19% 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.02%
4.43% 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.26%
4.22% 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.12%
4.09% Green Home 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 3.92%
4.12% Green Home 5 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.02%
4.39% 2 Yr Fixed £1999 product fee, 85% LTV, Min loan £2m, Max loan £5m will decrease to 4.24%
4.22% 5 Yr Fixed £1999 product fee, 85% LTV, Min loan £2m, Max loan £5m will decrease to 4.20%

Remortgage only

3.91% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.80%
3.92% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.81%
4.11% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.92%
4.24% 2 Yr Fixed £999 product fee, 80% LTV, Min loan £5k, Max loan £2m will decrease to 4.13%
4.39% 2 Yr Fixed £999 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.24%
4.25% Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m will decrease to 4.07%
4.38% Great Escape™ 2 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.17%
4.56% Great Escape™ 2 Yr Fixed £0 product fee, 80% LTV, Min loan £50k, Max loan £2m will decrease to 4.38%
3.95% 3 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.90%
4.11% 3 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.03%
4.04% Premier 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.84%
4.05% 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.85%
4.12% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.93%
4.23% Great Escape™ 5 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m will decrease to 4.03%
4.31% Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.10%

Purchase and remortgage

3.92% 2 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m will decrease to 3.81%
4.02% 2 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.87%
4.11% 2 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 3.92%
4.11% 5 Yr Fixed £1999 product fee, 60% LTV, Min loan £2m, Max loan £10m will decrease to 3.98%
4.13% 5 Yr Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 4.02%
4.14% 5 Yr Fixed £1999 product fee, 75% LTV, Min loan £2m, Max loan £5m will decrease to 4.05%

Existing customer reward range
Residential

3.88% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.80%
4.25% EMC Reward 2 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.07%
4.06% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.92%
4.38% EMC Reward 2 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.17%
4.29% EMC Reward 2 Year Fixed £999 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.24%
3.95% EMC Reward 3 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.90%
4.11% EMC Reward 3 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.03%
3.98% EMC Reward 5 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.84%
4.19% EMC Reward 5 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.03%
4.08% EMC Reward 5 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.93%
4.27% EMC Reward 5 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.10%
3.93% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.81%
4.11% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.96%
4.02% Rate Switch only EMC Reward 2 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 3.87%
4.13% Rate Switch only EMC Reward 5 Year Fixed £1999 product fee, Over 70%LTV, Min loan £2m, Max loan £10m will decrease to 4.02%