Barclays Mortgages & Product Transfers
We can review Barclays mortgage products available through our panel, including product transfers for existing customers, alongside relevant panel alternatives.
Getting a Mortgage with Barclays
Whether you're a first-time buyer, moving home, or looking to remortgage, Barclays offers a competitive range of mortgage products, including their popular Green Home mortgages. If you're an existing customer, we can secure a Barclays product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of Barclays mortgage and Green Home products available through our panel
- Hassle-free product transfers for existing Barclays customers
- We compare Barclays against 80+ other UK lenders
- Full management of your application from start to finish
- free initial mortgage advice
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Barclays Product Transfers
If your current Barclays mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.
First-Time Buyers & Home Movers
Barclays provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.
Why Use a Broker for Barclays?
Going direct means you only see one bank's products. By using us, you get access to Barclays' deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
Barclays at a glance
Established 1690. Headquartered in London. FCA firm reference number 759676.
Specialties
- Green Home Mortgages for EPC A/B properties
- Family Springboard for gifted deposit help
- Large-loan / high-net-worth residential
- Standard high-street residential and BTL
Lending criteria highlights
- Min income: £20,000 sole / £30,000 joint (large-loan £75k+)
- Max LTV: 95% residential, 75% BTL
- Max age at term end: 70 (or retirement age)
- Self-employed: 2 years' SA302s or accounts
- Contractors: Day-rate contractors: 12 months' contract history
- Min loan: £5,000
- Max loan: £10m (large loans by referral)
Where Barclays shines
- Strong high-LTV pricing at 85–90%
- Green mortgage discount for energy-efficient homes
- Fast digital application via broker portal
Watch-outs
- Stricter affordability model on interest-only
- Limited flexibility on complex income (bonuses/RSUs capped)
- Source
- Barclays lender or intermediary information, FCA Register records and adviser research
Barclays does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
Barclays Mortgages & Product Transfers — FAQs
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Get Free Expert Advice
Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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