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Barclays mortgage review

We've combined expert analysis with customer reviews to help you decide whether you should get a mortgage with Barclays bank.

In this article
 Barclays mortgages customer ratings What kinds of mortgages does Barclays offer? Does Barclays offer the best mortgage deals? Interest rates on Barclays mortgages
How much could I borrow from Barclays? Can I make overpayments? How can I contact Barclays?

 Barclays mortgages customer ratings

Mortgages
Barclays review
Which? Customer Score
Joint 13th out of 23 mortgage lenders
67%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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The table below shows how Barclays performed in our latest mortgage satisfaction survey, which gathered feedback from real Barclays customers about everything to do with their mortgages - from the application process to value for money.

Customer rating for: Star rating
Customer service

3 out of 5

Application process

4 out of 5

Value for money

3 out of 5

Keeping you well informed

4 out of 5

Clarity of statements

4 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

4 out of 5

 

Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 380 people told us they had their mortgage with Barclays.

What kinds of mortgages does Barclays offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were 44 mortgages available from Barclays. Most were fixed-rate deals, meaning your interest rate stays the same for a set 'initial period'.

Barclays' mortgages had initial periods lasting two, three, five, seven and 10 years.

A smaller number of mortgages offered by Barclays were tracker deals, with most lasting two years before reverting to Barclays' standard variable rate.

 

 

Does Barclays offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but Barclays featured an impressive 52 times, meaning it regularly offers competitive interest rates. (Data source: Moneyfacts.)

Interest rates on Barclays mortgages

In September 2020, the average interest rate of a two-year fixed-rate mortgage from Barclays was 1.58%, well below the overall market average of 2.33%.

How much could I borrow from Barclays?

Barclays lends at 60%, 75%, 80% and 85% loan-to-value to first-time buyers, home movers and remortgagers.

Most Barclays mortgages allow you to borrow 4.49 times your annual salary, or four times salary if your household earns less than £50,000 a year.

Can I make overpayments?

With most mortgages from Barclays, you can overpay up to 10% of the mortgage balance every 12 months.

How can I contact Barclays?

Mortgages from Barclays are available directly and through mortgage brokers

New mortgage customers can contact Barclays 24 hours a day on 0800 197 1081.

Existing customers should call 0800 022 4022.

You can also contact Barclays by using online chat or via a video call. The website is barclays.co.uk.

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