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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
Barclays is the fourth-largest mortgage lender in the UK, with a large but shrinking branch network.
Here, you can find out what real Barclays mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Barclays mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Barclays mortgage review
Real Barclays customer views
We've asked 1,091 Barclays mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Barclays mortgages to work out if it's a lender that offers competitive deals.
Barclays performed well in our customer satisfaction survey and was the joint second cheapest lender (out of 69) in our mortgage deals analysis. This combination of consistently competitive mortgage rates and high customer satisfaction earned Barclays Which? Recommended Provider status for mortgages.
74%
out of 21 mortgage lenders ranked on customer score (joint-6th)
To see how Barclays compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, Market Analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered on average the cheapest mortgage deals during our analysis period. Barclays was the joint second cheapest lender in our analysis, and did particularly well on home mover deals.'
Here's how Barclays did in our analysis:
Find out more: check which lenders came ahead of Barclays in our cheapest lender interest rate analysis
Use the table to find the two-year fixed-rate mortgages Barclays is currently offering first-time buyers with an 80%, 90% or 95% LTV.
To see how Barclays compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 80% | RECOMMENDED PROVIDER Barclays | 74% | 5.15% | £899 | 5.74% |
| 80% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.3% | £0 | 5.74% |
| 90% | RECOMMENDED PROVIDER Barclays | 74% | 5.49% | £899 | 5.74% |
| 90% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.62% | £0 | 5.74% |
| 95% | RECOMMENDED PROVIDER Barclays | 74% | 5.71% | £0 | 5.74% |
| 95% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.71% | £0 | 5.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 1,091.
Use the table to find the two-year fixed-rate mortgages Barclays is currently offering to home movers with a 60%, 75%, or 85% LTV.
To see how Barclays compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | RECOMMENDED PROVIDER Barclays | 74% | 4.95% | £899 | 5.74% |
| 60% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.1% | £0 | 5.74% |
| 75% | RECOMMENDED PROVIDER Barclays | 74% | 5.02% | £899 | 5.74% |
| 75% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.2% | £0 | 5.74% |
| 85% | RECOMMENDED PROVIDER Barclays | 74% | 5.48% | £899 | 5.74% |
| 85% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.56% | £0 | 5.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 1,091.
Use the table to find the two-year fixed-rate mortgages Barclays is currently offering to remortgagers with a 60%, 75% ot 85% LTV.
To see how Barclays compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | RECOMMENDED PROVIDER Barclays | 74% | 5.02% | £999 | 5.74% |
| 60% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.32% | £0 | 5.74% |
| 75% | RECOMMENDED PROVIDER Barclays | 74% | 5.32% | £999 | 5.74% |
| 75% fee free | RECOMMENDED PROVIDER Barclays | 74% | 5.42% | £0 | 5.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 1,091.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Barclays mortgage customers about their experience with the lender.
Here's how customers rated Barclays in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. 'n/a' means we didn't have enough responses to provide a star rating. The sample size for Barclays was 1,091.
Due to health circumstances I couldn't go with a lot of providers, but Barclays were understanding and gave me a chance
As well as producing customer scores and star ratings, we also collect the thoughts of real customers.
A strong theme among Barclays customers was the quality of its mortgage rates, which respondents described as 'competitive' and 'market-leading'.
Many customers also reported a trouble-free experience, with several saying they had never experienced any issues or problems with the lender.
The Barclays app also received praise. One customer said: 'I really like using their app and have found it easy to make overpayments, review statements etc.'
When we checked in September 2026, there were 86 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 of two, three, five or 10 years.
A smaller number of mortgages offered by Barclays were tracker deals, with initial terms lasting two years before reverting to Barclays' standard variable rate.
Barclays doesn't publish its borrowing caps, but you can use its affordability calculator to get an indication of how much it would lend to you.
You can apply for a Barclays Green Home Mortgage, which offers lower rates on some fixed-term mortgages, if you’re buying a new-build property directly from the builder or developer.
To qualify, the home you want to buy must have an energy efficiency rating of 81 or above, or be in energy efficiency bands A or B.
All of Barclays' mortgages, apart from the Springboard Start mortgage, have a maximum term length of 40 years. The Springboard Start mortgage has a maximum term length of 35 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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