Barclays makes further cuts to mortgage rates

15 December 2025

we’re making further cuts to our mortgage range – our three-year fixed range in particular has been cut significantly, by up to 0.29% and with the lowest rate now 3.70%. All changes are effective from tomorrow, Tuesday 16th December.

Existing product decreases
Residential

Purchase only

• 3.97% Premier 3 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.70%
• 4.12% 3 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.84%
• 4.14% 3 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.85%
• 3.81% Premier 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.78%
• 3.82% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.79%
• 3.92% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.88%
• 3.90% 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.86%
• 4.00% 5 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.94%
• 3.72% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.69%
• 3.80% Green Home 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.76%

Remortgage only

• 3.90% 3 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.75%
• 4.03% 3 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.86%

Existing customer reward range
Residential

• 3.90% EMC Reward 3 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.74%
• 4.03% EMC Reward 3 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.85%