Barclays cuts mortgage rates

01 July 2026

We’re making some cuts to our mortgage rates, with changes effective from tomorrow, Thursday 2nd July.

Existing Product Decreases
Residential

Remortgage Only

• 4.73% 3 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.60%
• 4.83% 3 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.70%

Purchase Only

• 4.68% 3 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.58%
• 4.43% 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.33%
• 4.52% 5 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.48%
• 4.53% 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.44%
• 4.62% 5 Yr Fixed £0 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.58%
• 4.64% Premier 5 Yr Fixed £0 product fee, 80% LTV, Min loan £5k, Max loan £2m will decrease to 4.57%
• 4.67% 5 Yr Fixed £0 product fee, 80% LTV, Min loan £5k, Max loan £2m will decrease to 4.60%
• 4.33% Green Home 5 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.23%
• 4.43% Green Home 5 Yr Fixed £899 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.34%

Purchase & Remortgage

• 4.06% 2 Yr Tracker £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.04%
• 4.18% 2 Yr Tracker £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.13%

Existing Customer Reward Range
Existing product Decreases

Residential

• 4.64% EMC Reward 3 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.60%
• 4.75% EMC Reward 3 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.70%