Barclays Mortgage Review

Barclays Mortgage Review

We have reviewed a range of mortgage providers so that we can share our research with clients who are interested to find out more.

Finding the Best Lender

Finding the Best Lender

If you are having a problem or are unsure on who you think the best lender might be, make sure you contact one of our consultants.

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Barclays Mortgage Review

Find out about our Barclays mortgage review by speaking to our experts.

If you'd like help looking for a loan, our company offers specialist advice to help you get the most suitable solution for what you need.

We always give assistance based on your needs to ensure you get the most valuable help.

Our team always ensure to locate the best home loan deal for you, whether that be for a new home purchase, a remortgage or a buy-to-let.


To find out more about Barclays Mortgage reviews, then feel free to contact our team today.

We are professionals with expert knowledge and years of experience, so we know how to find you a great deal.

Simply fill out the enquiry form provided, and a team member will get back to you as soon as possible with all the required details. 

Who is Barclays?

Barclays is one of the biggest mortgage lenders in the UK. It offers a range of banking services. 

Its mortgage products are available directly or via an intermediary, such as online broker Habito. 

Barclays mortgage customers can access amazing mortgage deals, including low-interest Barclays fixed-rate mortgages. 

Keep reading to find Barclays Mortgages' contact details and customer testimonials. 

What Type of Mortgages Do Barclays Offer?

Barclays offer its customers a wide range of mortgage products, such as:

  • Fixed-rate mortgages
  • Tracker mortgages
  • Offset mortgages
  • Great Escape mortgages
  • Green mortgages
  • Joint mortgages
  • Interest-only mortgages
  • Shared ownership mortgages
  • Help-to-buy mortgages
  • Family springboard mortgage

Contact our mortgage advisors to find the best mortgage for your unique circumstances. 

What is the Barclays Green Home Mortgage?

Barclays Green Home Mortgages are mortgages saved for individuals who are looking to buy a new-build home with high energy efficiency. 

Due to the benefits of having a green home, Barclays offer lower-rate mortgages to green homeowners. 

To qualify for a green mortgage deal, your home must have an energy efficiency rating of 81 or above or fall into the energy efficiency bands A or B. 

Speak to a mortgage adviser today to learn more about Green homes. 

Barclays Pros and Cons

There are many advantages and disadvantages to Barclays Mortgages, including:

Barclays Advantages

  • Wide range of mortgage products.
  • Innovative mortgages, such as Family Springboard mortgages and Green mortgages. 
  • Income multiples up to 5.5 times annual income. 
  • Free valuations for residential properties. 

Barclays Disadvantages

  • Unlikely to be approved if you have bad credit. 
  • Lower loans for mortgages with higher LTV.
  • Standard fee of £999 for many mortgage products. 


Barclays Home Loan and Mortgages

Barclays is considered a competitive mortgage lender based on their tracker rate home loans. It might be confusing if you have questions about purchasing a house and getting your first deal.

Using the assistance of our qualified advisors, you can find out what you need to know, the amount you will be charged, and what you'll be able to borrow.

We'll also explain the buying process, including legal requirements, surveys, and other purchasing fees associated with Barclays mortgages.

You may also look here - to see how Natwest could be ideal for you. 

How Much Can I Borrow from Barclays?

Usually, Barclays will offer a loan of 4 to 5.5 times the borrower's annual salary, depending on the individual's financial history. 

The full loan amount may be reserved for buyers with an annual income over £75,000 looking for a mortgage up to 85% LTV. 

Certain factors will impact what loan amount you can secure, such as:

  • Your deposit
  • Your age
  • Your credit score
  • If you have outstanding debt
  • Your financial obligations
  • Your financial history  

Use our mortgage calculator to find out what kind of mortgage you will be able to receive from Barclays bank. 

Continue reading to find out Barclay's adverse credit learning criteria. 

What Fees Does Barclays Charge for its Mortgages?

There are various charges associated with the mortgage process. For example, Barclays lending charges a product fee of £999. 

For offset mortgages, the product fee is £1,749. The charges can be paid as a lump sum payment or added to your mortgage repayments. 

Barclays also charge a valuation fee for their mortgage products. 

Contact our mortgage advisers for accurate information regarding the total cost of applying for a mortgage. 

Getting a Property Lender

During our services, we shall appoint you with your own committed Barclays mortgage consultant who can discover the best-suited answer for you.

This same advisor will assist with paperwork and deal with local government agents to ensure your property buying process will be as easy as possible.

brilliant deals provided

The Equity Loan system can be obtained on newly built properties from participating builders and provides affordable interest levels.
To participate in this program, you need a down payment of a minimum of 5%, as this entitles you to have a 20% government equity loan plus a plan of 75% from a lender.

Can You Make Overpayments on Your Barclays Mortgage?

Barclays permit certain mortgages to include overpayments without an early repayment charge. 

You need to check the terms and conditions of your mortgage to conclude if you can make gratuitous overpayments. 

If you can make overpayments, you have two options:

  • If your overpayment is over three times your average monthly payment, your future mortgage payments will be reduced, but your mortgage terms will remain the same. 
  • If your overpayment is less than three times your average monthly payment, your money is put in an overpayment balance, allowing you to pay your mortgage early or make underpayments. 

Interest Rates on Barclays Mortgages

It is always best to check with your mortgage broker for the most accurate Barclays mortgage interest rates.

However, the following rates have been offered:

  • An interest rate of 2.79% for 2-year fixed-rate mortgages with an 85% LTV.
  • An interest rate of 2.82% for 10-year fixed-rate mortgages with a 60% LTV.

Interest rates may vary, so contact our mortgage advisors today to find up-to-date rates. 

Barclays Mortgages Customer Reviews

Which? conducted a customer satisfaction review and placed Barclays 7th out of sixteen leading mortgage lenders. 

The review analysed mortgage lenders based on customer service, communication, affordability, and complaint handling. 

Recent customer testimonials have credited Barclays as experienced, competitive, fair, knowledgable, and responsive. 

Barclays Adverse Credit Learning Criteria

There are many reasons why Barclays may reject your application for a mortgage:

  • You have a CCJ that has not been satisfied. 
  • You have a DRO, IVA, or bankruptcy on your credit file. 
  • You have arrears of over two months from the last six months. 
  • You have rent arrears of over two months from the last six months. 

A negative financial history will make it much harder to secure a mortgage, so you should bear this in mind if you are looking to start your mortgage application. 

There are ways to improve your credit score if it is low; speak with one of our talented mortgage advisors to learn how. 


What is the maximum age for a Barclays mortgage?

The maximum age at the end of Barclay's mortgage term is 70 years old, or your retirement age, whichever comes first. 

The minimum age you can apply for a residential mortgage is 18 years old; the minimum age for a buy-to-let mortgage is 21. 

What is the maximum mortgage term with Barclays?

The maximum mortgage term with Barclays is 40 years, or 25 years for an interest-only mortgage. 

So, if you want to take full advantage of your mortgage, you will want to take it out at the age of 35 at the very latest. 

How long does a Barclays mortgage application take?

Barclays aims to achieve a four-day turnaround for residential and buy-to-let mortgages. 

However, the timeline for your mortgage application will vary depending on a range of factors, such as the quality of the application. 

How can I get in touch with Barclays regarding my mortgage?

You can find Barclays Mortgages contact details via the following steps:

  1. Open the Barclays website. 
  2. Click on the Contact Us tab. 
  3. Click on Mortgages. 
  4. Select the best option for your query. 
  5. Find an FAQ that suits your query. 
  6. Or, use the Chat Now or Contact Us by Phone features. 

You can also access contact details via your online banking account. 

What credit reference agency does Barclays use?

Barclays Bank uses Experian, Equifax, and Transunion as its main credit reference agencies. 

So, before applying for a Barclays mortgage, you should check your credit report from all three agencies, as it is unlikely that Barclays will accept mortgage applications from homeowners with bad credit. 

Does Barclays do a credit check?

As a leading mortgage lender, Barclays will check your credit history via their credit reference agency. 

If you are an existing customer of Barclays, they may check your previous borrowing when considering your mortgage application. 

You can use their Barclays mortgage calculator to see an estimate of the level of fixed-rate mortgage you can access. 

speak to our experts now

Speak to our advice team

If you want any support with loans or discovering the right plan to suit your needs, as well as a mortgage review, we'd be glad to supply specialist help and advice.

All we need you to do is to write your information in the enquiry form on our website with all your details, including contact name, location, the phone number to reach you on and the details of a service you require.

Contact our online mortgage advisors at to discuss the options and get expert advice regarding the mortgage lender, Barclays.


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