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Rates effective from 24 June 2022(Barclays mortgage customer use)Exclusive rates for Existing Mortgage CustomersOur Existing Mortgage Customer (EMC) Reward rates are exclusively available for existingmortgage customers when switching rates or borrowing additional funds.Switching to a new rateIf you are looking to switch the rate on your existing Barclays mortgage, you may be eligible to do so online withoutadvice. If you would prefer to receive advice, call us to arrange an appointment with one of our mortgage advisers.Borrowing more on your Barclays mortgageIf your home is worth more than your remaining mortgage balance, you may be able to borrow further funds for homeimprovements, a special purchase and more. Your total borrowing, which includes the extra money you want toborrow and your current mortgage, would be limited to a maximum percentage of your property’s value (see below)Thinking of moving home?Our mortgages are portable*, which means you may be able to apply to move yourexisting mortgage rate across to your new home.This may be useful if you are trying to avoid early repayment charges.The rates on the following pages aren’t available for home purchase. You can download more information aboutour home purchase mortgage rates at barclays.co.uk/mortgages*Subject to product availability, status and application. Terms and conditions applyReward rates explainedThe following terms are used in the rate tables: Bank of England Base Rate (BEBR) is a variable rate set by the Bank of England. BEBR is currently 1.25%. Your Loan to Value (LTV) is how much you have borrowed, expressed as a percentage of your propertyvalue. The amount you have borrowed against your property is calculated as your total aggregate lending. Aggregate lending is your total borrowing amount with Barclays i.e. the total you have outstanding on themortgage accounts secured on your property and includes your Mortgage Current Account overdraft limit,if you have one. Additional borrowing is limited to a maximum 85% of your property’s value for residential mortgages(80% if any of the borrowing is to be used to repay outstanding debt) and would include the extra moneyyou want to borrow and your current mortgage. For buy-to-let mortgages the maximum is 75%.To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rateswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Rates effective from 24 June 2022(Barclays mortgage customer use)Residential mortgage customersResidential - maximum total aggregate lending up to 2mExisting Mortgage Customer (EMC) Reward – 1, 2 & 3 year fixed ratesProduct typeFixedEMC Reward1 YearFixedMaximumLTVProductFee75% 02.76% 9992.47%4.4% 02.74%4.4% 9992.52% 02.76% 9992.62% 03.11%4.5% 03.15%4.5% 9992.55% 02.77% 9992.73% 03.13%60%EMC Reward2 YearFixed75%85%Over 85%EMC Reward3 YearFixed60%85%Initial RateFixed until31/08/23Fixed until31/08/24Follow On RateEarly RepaymentCharge (ERC)APRC4.74% variableBEBR (currently 1.25%) 3.49% for the term1% of the balancerepaid until 31/08/234.6%4.74% variableBEBR (currently 1.25%) 3.49% for the term1% of the balancerepaid until 31/08/244.4%4.4%4.4%4.2%Fixed until31/08/254.74% variableBEBR (currently 1.25%) 3.49% for the term2% of the balancerepaid until 31/08/254.2%4.3%4.3%During an early repayment charge period, capital reductions within a set allowance can be made without incurring the charge.The allowance for fixed rates is 10% per annum (5% for 10yr fixed rates taken before 9/1/20) and 25% per annum for trackerrates. This will typically be the amount specified in your mortgage offer at the time you took your mortgage.For Offset mortgages early repayment charges are only incurred if the mortgage is fully redeemed within the charge period.You are strongly recommended to have life assurance in place to cover the full amount of all sums that you may borrow fromus under the facility.For an interest only mortgage, it is your responsibility to ensure that you have sufficient funds to repay the mortgage at theend of your mortgage term.To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rateswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Rates effective from 24 June 2022(Barclays mortgage customer use)Residential mortgage customersResidential - maximum total aggregate lending up to 2mExisting Mortgage Customer (EMC) Reward – 5, 7 & 10 year fixed ratesProduct typeFixedMaximumLTV60%EMC Reward5 YearFixed75%85%Over 85%EMC Reward7 YearFixed75%EMC Reward10 YearFixed75%ProductFeeInitial RateFollow On RateEarly RepaymentCharge (ERC)APRC 9992.51%3.8% 02.74%3.8% 9992.55% 02.76% 9992.90% 03.10%4.0% 03.21%4.1% 7492.36% 02.60% 7492.42% 02.60%Fixed until31/08/274.74% variableBEBR (currently 1.25%) 3.49% for the term3.8%2% of the balancerepaid until 31/08/273.9%4.0%Fixed until31/08/294.74% variableBEBR (currently 1.25%) 3.49% for the term3% of the balancerepaid until 31/08/29Fixed until31/08/324.74% variableBEBR (currently 1.25%) 3.49% for the term5% of the balancerepaid until 31/08/323.4%3.5%3.0%3.1%Representative Example:A capital and interest mortgage of 139,471 payable over 234 months on a fixed rate of 3.13% for 3 years and then ourvariable tracker rate of 3.49% above the Bank of England Base Rate (currently 1.25%), for the remaining term would require36 monthly payments of 797.07 and 198 monthly payments of 897.67.The total amount payable would be 206,513.18 made up of the loan amount plus interest and 0 (product fee), 80 (finalrepayment charge), 0 (completion fee).The overall cost for comparison is 4.3% APRC representative.During an early repayment charge period, capital reductions within a set allowance can be made without incurring the charge.The allowance for fixed rates is 10% per annum (5% for 10yr fixed rates taken before 9/1/20) and 25% per annum for trackerrates. This will typically be the amount specified in your mortgage offer at the time you took your mortgage.For Offset mortgages early repayment charges are only incurred if the mortgage is fully redeemed within the charge period.To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rateswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Rates effective from 24 June 2022(Barclays mortgage customer use)Residential mortgage customersResidential - maximum total aggregate lending up to 2mExisting Mortgage Customer (EMC) Reward – Tracker & Offset ratesProduct typeTrackerMaximumLTVProductFeeInitial Rate 9992.00% 02.24% 9992.12% 02.25%60%75%EMC Reward2 Year Tracker 99980%2.49% 993.89% 03.35% 9993.52% 03.70% 1,7492.47% 4993.25% 1,7492.50%85%EMC RewardOffset2 Year TrackerEMC RewardOffset5 Year Tracker80%BEBR 0.75%for 2 yearsBEBR 0.99%for 2 yearsBEBR 0.87% for2 yearsBEBR 1.00%for 2 yearsBEBR 1.24% for2 yearsBEBR 2.64%for 2 yearsBEBR 2.10%for 2 yearsBEBR 2.27%for 2 yearsBEBR 2.45%for 2 yearsBEBR 1.22%for 2 yearsBEBR 2.00%for 2 yearsBEBR 1.25%for 5 yearsFollow On Rate4.74% variableBEBR (currently 1.25%) 3.49% for the termEarly RepaymentCharge (ERC)APRCNo ERC4.3%1% of the balancerepaid for 2 years4.3%No ERC4.3%1% of the balancerepaid for 2 years4.3%4.4%No ERC4.7%4.74% variableBEBR (currently 1.25%) 3.49% for the term1% of the balancerepaid for 2 years4.5%No ERC4.7%1% of the balancerepaid for 2 years4.6%Full redemption only1% of original balancefor 2 yearsFull redemption only1% of original balancefor 5 years4.5%4.5%3.9%Switch & Fix The Offset & Tracker products which have an Early Repayment Charge (ERC) carry a Switch & Fix facility. A product carrying a Switch & Fix may be switched to a fixed rate product, subject to availability, without incurringthe early repayment charge payable on this product. Switch & Fix terms and conditions may apply. The switch will be subject to any product fee applicable to the new product at that time. The new product may also have an early repayment charge which will not have the benefit of the Switch & Fix facility.During an early repayment charge period, capital reductions within a set allowance can be made without incurring the charge.The allowance for fixed rates is 10% per annum (5% for 10yr fixed rates taken before 9/1/20) and 25% per annum for trackerrates. This will typically be the amount specified in your mortgage offer at the time you took your mortgage.For Offset mortgages early repayment charges are only incurred if the mortgage is fully redeemed within the charge period.To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rateswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Rates effective from 24 June 2022(Barclays mortgage customer use)Residential mortgage customersResidential - total aggregate lending between 2m and 10mExisting Mortgage Customer (EMC) Reward – Fixed & Tracker ratesProduct typeMaximumLTVProductFeeEMC Reward2 YearFixed70% 19992.61%EMC Reward5 YearFixed70% 1999EMC Reward10 YearFixed70%FixedFollow On RateEarly RepaymentCharge (ERC)APRCFixed until31/08/244.74% variableBEBR (currently 1.25%) 3.49% for the term1% of the balancerepaid until 31/08/244.4%2.72%Fixed until31/08/274.74% variableBEBR (currently 1.25%) 3.49% for the term2% of the balancerepaid until 31/08/273.8% 1,9992.69%Fixed until31/08/324.74% variableBEBR (currently 1.25%) 3.49% for the term5% of the balancerepaid until 31/08/323.2%70% 19992.23%BEBR 0.98%for 2 years4.74% variableBEBR (currently 1.25%) 3.49% for the termNo ERC4.3%70% 1,9993.15%BEBR 1.90%for 2 years4.74% variableBEBR (currently 1.25%) 3.49% for the termFull redemption only1% of original balancefor 2 years4.5%Initial RateTrackerEMC Reward2 YearTrackerOffsetEMC Reward2 Year OffsetTrackerRate switch only: Loan-to-value above 70% (total aggregate lending between 2m and 10m)EMC Reward2 Year FixedOver 70% 1,9992.62%Fixed until31/08/244.74% variableBEBR (currently 1.25%) 3.49% for the term1% of the balancerepaid until 31/08/244.4%EMC Reward5 Year FixedOver 70% 1,9992.74%Fixed until31/08/274.74% variableBEBR (currently 1.25%) 3.49% for the term2% of the balancerepaid until 31/08/273.9%During an early repayment charge period, capital reductions within a set allowance can be made without incurring the charge.The allowance for fixed rates is 10% per annum (5% for 10yr fixed rates taken before 9/1/20) and 25% per annum for trackerrates. This will typically be the amount specified in your mortgage offer at the time you took your mortgage.For Offset mortgages early repayment charges are only incurred if the mortgage is fully redeemed within the charge period.MaximumEarlyProducttypeProductYouare stronglyrecommendedto have life assurancein place to coverFollowthe fullthat you mayborrowILPLoan toInitial RateOnamountRate of all sumsRepaymentAPRCFeeFixedfromus under the facility.ValueCharge (ERC)EMC Reward4.74% variableTRINITY3% of theFixeduntil that you have sufficient funds to repay the mortgage atFor aninterest onlymortgage,it 0is your responsibilityto ensureBuy-to-letOver75%3.35%BBBR (currently 0.25%)balance repaid30/04/20the2endyour mortgage term.YearofFixed 4.49% for the termuntil 30/04/20To EMCdiscussyour further borrowing needs or arrange to speakwith a Mortgage 3%Adviserabout your rate4.74% variableof theRewardFixed untilswitch,please call7578*3.99%Buy-to-letOver033375% 202 0BBBR (currently 0.25%)balance repaid30/04/235 Year Fixed 4.49% for the termuntil 30/04/23YOURMAYforBE Buy-to-LetREPOSSESSEDYOU DONOTKEEPUP REPAYMENTSYOUR lablefor furtherONadvance)*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.Existing Mortgage Customer (EMC) Reward – Buy to LetThis Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Buy-to-let mortgage customersRates effective from 24 June 2022(Barclays mortgage customer use)Buy-to-let - maximum total aggregate lending 1mExisting Mortgage Customer (EMC) Reward – Buy-to-let ratesProduct typeFixedEMC RewardBuy-to-let2 Year FixedEMC RewardBuy-to-let5 Year FixedMaximumLoan toValue65%75%65%75%ProductFeeInitial RateFollow On RateEarly RepaymentCharge (ERC)APRC 1,7952.55%5.3% 02.75% 1,7952.73% 02.95%5.2% 1,7952.62%4.5% 03.00% 1,7952.85% 03.01% 1,7952.59% 1,7952.84% 03.35% 2993.89%Fixed until31/08/24Fixed until31/08/275.74% variableBEBR (currently 1.25%) 4.49% for the term5.74% variableBEBR (currently 1.25%) 4.49% for the term1% of the balancerepaid until 31/08/242% of the balancerepaid until31/08/275.2%5.3%4.5%4.6%4.5%Tracker65%EMC RewardBuy-to-let2 Year Tracker75%BEBR 1.34%for 2 yearsBEBR 1.59%for 2 yearsBEBR 2.10%for 2 yearsBEBR 2.64%for 2 years5.3%5.74% variableBEBR (currently 1.25%) 4.49% for the term1% of the balancerepaid for 2 years5.4%5.3%No ERC5.5%Switching your Buy-to-let mortgage rateYou can use our online application form to switch your Buy-to-let mortgage rate, if you don't need support whenapplying to switch, you're not making any other changes to your mortgage and you're eligible to switch online.To find out more about how you can switch the rate on your Buy-to-let mortgage, call us on 0333 202 7578*To discuss your further borrowing needs or arrange to speak with a Mortgage Adviser about your rateswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
Rates effective from 24 June 2022(Barclays mortgage customer use)Buy-to-let mortgage customersBuy-to-let – Loan to Value above 75%Existing Mortgage Customer (EMC) Reward ratesRates available for Buy-to-Let rate switch only (Buy-to-let further advance not available above 75% LTV)Product typeLoan toValueProductFeeEMC RewardBuy-to-let2 Year FixedOver 75% 03.50%EMC RewardBuy-to-let5 Year FixedOver 75% 03.99%FixedFollow On RateEarly RepaymentCharge (ERC)APRCFixed until31/08/245.74% variableBEBR (currently 1.25%) 4.49% for the term1% of the balancerepaid until 31/08/245.4%Fixed until31/08/275.74% variableBEBR (currently 1.25%) 4.49% for the term2% of the balancerepaid until 31/08/275.0%Initial RateBuy-to-let – total aggregate lending between 1m and 2mExisting Mortgage Customer (EMC) Reward ratesBuy-to-Let rates available for rate switch and further advanceThe maximum LTV for Buy-to-Let further borrowing is 60% where the total aggregate lending will exceed 1mExisting MortgageMaximum Customer (EMC) Reward – Buy to LetProduct typeFixedLoan toValueProductFeeInitial RateFollow On RateEarly RepaymentCharge (ERC)APRCEMC RewardBuy-to-let2 Year Fixed60% 1,7952.55%Fixed until31/08/245.74% variableBEBR (currently 1.25%) 4.49% for the term1% of the balancerepaid until 31/08/245.2%EMC RewardBuy-to-let5 Year Fixed60% 1,7952.65%Fixed until31/08/275.74% variableBEBR (currently 1.25%) 4.49% for the term2% of the balancerepaid until 31/08/274.3%60% 1,7952.80%BEBR 1.55% for2 years5.74% variableBEBR (currently 1.25%) 4.49% for the term1% of the balancerepaid for 2 years5.2%TrackerEMC RewardBuy-to-let2 Year TrackerBuy-to-let aggregate lending: For Buy-to-let product eligibility, aggregate lending is the total Barclays mortgageBuy-to-lettotalaggregatelendingbetween 1mand 2mborrowingyou–havesecuredagainst theindividualBuy-to-letproperty.Where further borrowing is being requested, the aggregate borrowing is calculated including these additional funds.Existing Mortgage Customer (EMC) Reward ratesMaximum overall borrowing: Maximum overall lending limits apply for customers with multiple Buy-to-let mortgages.Buy-to-Letrates availableforcallrateadvanceFormore information,you canus switchon 0333and202further7578* toarrange to speak with a mortgage specialist.Todiscuss yourfurther borrowingneedsor arrangeto speakwithtoa MortgageAdviser about your rateExistingMortgageCustomer(EMC)Reward– BuyLetswitch, please call 0333 202 7578*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*Lines are open 24 hours a day, 7 days a week except Bank Holidays. To maintain a quality service, we may monitor or record phone calls.*Calls to 03 numbers from a landline or mobile cost no more than calls to geographic numbers (01 or 02) and are included in any inclusive minutesand discount schemes you may have.This Rate Sheet is for information only and does not constitute a Personalised Mortgage Information Sheet. All products are subject to availabilityand may be changed or withdrawn at any time without notice. Charges and interest rates may vary and are correct at the time of going to print.Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:759676).Registered in England. Registered No. 9740322. Registered office: 1 Churchill Place, London E14 5HP. Buy-to-Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority
The allowance for fixed rates is 10% per annum (5% for 10yr fixed rates taken before 9/1/20) and 25% per annum for tracker rates. This will typically be the amount specified in your mortgage offer at the time you took your mortgage. only incurred if the mortgage is fully redeemed within the charge period. mortgage customers
