Barclays mortgage review

Is Barclays a good mortgage provider?

We analysed which lenders combine competitive mortgage rates with good customer service.

Our analysis found that Barclays regularly offers attractive deals for home buyers and people remortgaging.

However, it only achieved a middling rating for customer service. Its score of 65% left it in 12th position out of the 22 lenders in our survey.

Barclays Mortgages review

	Score	Overall ranking
Which? Customer Score	65%	Joint 12th out of 22 mortgage lenders

Our Scores

Which? Customer Score

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.

Barclays customer satisfaction scores

The table below shows how Barclays performed in our latest mortgage satisfaction survey.

Our survey gathered feedback from homeowners with Barclays mortgages about everything from the application process to value for money.

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What kinds of mortgages does Barclays offer?

Barclays is one of the biggest mortgage providers in the UK. In 2022 the lender had a 10% share of the mortgage market, according to UK Finance data.

When we checked in September 2023, there were 57 mortgages offered by Barclays. Most were fixed-ratedeals, meaning your interest rate stays the same for a set initial period. Barclays mortgages had initial periods of two, five and 10 years.

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

Does Barclays offer the best mortgage deals?

Which? analysed thousands of mortgages over a four-week period in August 2023. 

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. However, Barclays featured nine times, meaning it regularly offered competitive rates. (Data source: Moneyfacts.)

How much could I borrow from Barclays?

Barclays lends at 60%, 70%, 75%, 80%, 85%, 90%, 95% and 100% loan to value (LTV) to first-time buyers and home movers. Remortgagers can borrow up to 85% LTV.

You can borrow anywhere from four to five-and-a-half times your annual household income, depending on the mortgage deal you choose and your financial situation.

How long can the mortgage term be?

The vast majority of Barclays mortgages allow customers to pay back the loan over 40 years, but some products have a lower maximum term of 35 years. 

Can I make overpayments?

You can overpayup to 10% of your mortgage balance every 12 months before incurring an early repayment charge (ERC).

How can I contact Barclays?

Mortgages from Barclays are available directly and through mortgage brokers.

New mortgage customers can contact Barclays on 0800 197 1081.

Existing customers should call 0800 022 4022.

You can also contact Barclays by using online chat or visiting in-branch. Its website is Barclays.co.uk.