Barclays
Barclays scored in the top 25% of brands in our survey. It also performed well in our interest rate analysis, placing it 6th out of 21 lenders.
75%
5
out of 21 mortgage lenders ranked on customer score
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Barclays mortgage review and rates
We've combined expert analysis with customer reviews to help you decide whether you should get a mortgage with Barclays
Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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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.
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 880 Barclays mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Barclays' mortgage rates to work out if it's a lender that offers competitive deals.
Is Barclays a good mortgage lender?
To see how Barclays compares to other mortgage providers, head to our guide to the best mortgage lenders.
Does Barclays offer the best mortgage deals?
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Barclays averaged nine per week, meaning it typically offered market-leading deals for a range of mortgage scenarios during our analysis.
You can see the mortgages Barclays currently offers to first-time buyers, homemovers and remortgagers in the tables below.
To see how Barclays compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
Barclays mortgage rates for first-time buyers
| 80% | Barclays | 75% | 4.22% | £899 | 5.99% |
| 80% fee free | Barclays | 75% | 4.33% | £0 | 5.99% |
| 90% | Barclays | 75% | 4.39% | £899 | 5.99% |
| 90% fee free | Barclays | 75% | 4.65% | £0 | 5.99% |
| 95% | Barclays | 75% | 4.87% | £0 | 5.99% |
| 95% fee free | Barclays | 75% | 4.87% | £0 | 5.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 880.
Barclays mortgage rates for home movers
| 60% | Barclays | 75% | 3.91% | £899 | 5.99% |
| 60% fee free | Barclays | 75% | 4.12% | £0 | 5.99% |
| 75% | Barclays | 75% | 3.95% | £899 | 5.99% |
| 75% fee free | Barclays | 75% | 4.16% | £0 | 5.99% |
| 85% | Barclays | 75% | 4.19% | £899 | 5.99% |
| 85% fee free | Barclays | 75% | 4.43% | £0 | 5.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 880.
Barclays mortgage rates for remortgaging
| 60% | Barclays | 75% | 3.91% | £999 | 5.99% |
| 60% fee free | Barclays | 75% | 4.25% | £0 | 5.99% |
| 75% | Barclays | 75% | 4.11% | £999 | 5.99% |
| 75% fee free | Barclays | 75% | 4.38% | £0 | 5.99% |
| 85% | Barclays | 75% | 4.39% | £999 | 5.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Barclays had a sample size of 880.
Ready to get a mortgage?
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.
How did customers rate Barclays's mortgages?
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) | n/a |
| 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 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). 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 880.
What do customers think about Barclays?
As well as producing customer scores and star ratings, we also collect the thoughts of real customers.
We found that more than 70% of comments about Barclays were positive. Many Barclays customers told us they hadn't had any issues and found applying for a Barclays mortgage an 'incredibly easy process'.
Customers gave us mixed feedback on Barclays customer service, most of it positive.
Barclays mortgage lender FAQs
What types of mortgage does Barclays offer?
When we checked in September 2025, there were 79 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.
How much could I borrow from Barclays?
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.
Does Barclays offer green mortgages?
You could apply for a Barclays Green Home Mortgage if you’re buying a new-build property directly from the builder or developer.
If the home you want to buy has an energy efficiency rating of 81 or above, or is in energy efficiency bands A or B, you can find lower rates on some fixed-term mortgages.
- Find out more: best green mortgages
How long can the mortgage term be?
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.
- Find out more: mortgage calculator toolkit – use our range of calculators to compare mortgage deals, work out how much you can borrow and more
Why should you trust Which? research? 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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