Barclays cuts mortgage rates - effective Thurs 9th July

08 July 2026

We’re making some cuts to our mortgage rates, with changes effective from tomorrow, Thursday 9th July.

Existing Product Decreases
Residential

Remortgage Only

• 4.54% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.39%
• 4.57% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.42%
• 4.63% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.52%
• 4.75% The Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m will decrease to 4.74%
• 4.91% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 4.85%
• 5.07% The Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.99%

Purchase Only

• 4.30% 2 Yr Fixed £899 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.25%
• 4.51% 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.45%
• 4.75% 2 Yr Fixed £0 product fee, 80% LTV, Min loan £5k, Max loan £2m will decrease to 4.74%
• 5.08% 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.61%
• 5.35% Premier 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.73%
• 5.40% 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.78%
• 5.25% 2 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.64%
• 5.45% 2 Yr Fixed £0 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.79%
• 5.50% 2 Yr Fixed £0 product fee, 95% LTV, Min loan £5k, Max loan £640k will decrease to 5.11%
• 5.05% 3 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.99%
• 5.32% 3 Yr Fixed £899 product fee, 95% LTV, Min loan £25k, Max loan £570k will decrease to 5.09%
  • 4.80% 5 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.69%
  • 4.58% Premier 5 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.47%
  • 4.78% 5 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.67%
  • 4.85% 5 Yr Fixed £0 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.79%
  • 5.09% 5 Yr Fixed £0 product fee, 95% LTV, Min loan £5k, Max loan £640k will decrease to 5.05%
  • 4.41% Green Home 2 Yr Fixed £0 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.35%
  • 5.30% Green Home 2 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.68%
  • 5.35% Green Home 2 Yr Fixed £0 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.69%
  • 4.70% Green Home 5 Yr Fixed £0 product fee, 85% LTV, Min loan £5k, Max loan £2m will decrease to 4.59%
  • 4.68% Green Home 5 Yr Fixed £899 product fee, 90% LTV, Min loan £5k, Max loan £640k will decrease to 4.57%
  • 4.99% Springboard 5 Yr Fixed £0 product fee, 95% LTV, Min loan £5k, Max loan £500k will decrease to 4.95%
  • 5.19% Springboard 5 Yr Fixed £0 product fee, 100% LTV, Min loan £5k, Max loan £500k will decrease to 5.15%

Existing Customer Reward Range
Existing product Decreases

Residential

• 4.42% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.39%
• 4.63% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.52%
• 5.03% EMC Reward 5 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.99%
• 4.95% EMC Reward 5 Year Fixed £999 product fee, 85% LTV, Min loan £1k, Max loan £2m will decrease to 4.90%
• 4.66% EMC Reward 2 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 4.59%
• 4.78% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 4.72%