Barclays

Fixed Rate: your initial rate is set at a fixed rate for 2, 3 or 5 years. After the fixed rate period has finished your mortgage will revert to a rate linked to the Barclays Bank base rate.

You have the option of borrowing more money at mortgage rates – this is a Mortgage Reserve. You could apply to make overpayments or underpayments or take a payment holiday. An application fee will apply.

An early repayment charge will apply however you can overpay up to 10% per year during the fixed rate period.

Tracker: your rate is variable and will go up and down according to Barclays Bank base rate for the whole of your mortgage term.

There is no early repayment charge. An application fee will apply.

Discount: your initial rate is set at discount for 2 years off the Woolwich standard variable rate. After the discount period has finished your mortgage will revert to the Woolwich standard variable rate for the rest of the mortgage term.

You have the option of borrowing more money at mortgage rates – this is a Mortgage Reserve.

There is no early repayment charge. An application fee will apply.

Offset: you offset your current and savings accounts against your mortgage balance and only make repayments on the difference. You could repay less each month and eventually repay your mortgage quicker.

You have the option of borrowing more money at mortgage rates – this is a Mortgage Reserve. There is no early repayment charge. An application fee will apply.

If you are interested in a mortgage quotation including those offered by Barclays please complete our quick enquiry form.

Barclays also offer mortgages just for First Time Buyers: you can get a 3 year fixed mortgage or a 2-year stepped tracker mortgage.

Fixed: your initial rate is fixed for 3 years. After the fixed rate is finished your mortgage reverts to the variable Barclays Base Rate.

There is an application fee. This product has a cashback option. An early repayment charge for the fixed rate period.

Stepped Tracker: your rate is linked to the variable Barclays Bank base rate. It is set +1% for the first year and +1.25% for year two. It then reverts to a rate above the Barclays Bank base rate for the remainder of the mortgage term.

There is an application fee. This product has a cashback option. An early repayment charge will apply.