Can I switch my rate?
To check if you’re eligible, go to the ‘Can I switch my rate'section below.
Mortgage Charter support
You might have seen the recent government announcement to help mortgage holders reduce their monthly payments. Here’s how we can help.
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Need support with your mortgage payments?
If you’re worried you might struggle with your mortgage payments, we can help. Please call us as soon as possible on 0333 202 75041so we can find the best way to support you. We’re here Monday to Thursday from 8am to 8pm, Friday from 8am to 6pm, and Saturdays from 9am to 1pm.
Why might my mortgage interest rate change?
Interest rates on mortgages are directly linked to the Bank of England base rate, so when this changes, mortgage rates change too. Depending on your type of mortgage (for example, whether it’s a fixed or variable rate) this might change how much you pay back each month. If your mortgage rate is fixed it won’t change until the fixed rate period ends. Read more aboutthe base rate change.
Mortgage calculator
Use our mortgage calculator tool to see how your monthly payment could be affected.
Mortgage calculator
How do I see my current interest rate?
In the Barclays app
- Choose your mortgage from the list of accounts on your app homepage, then scroll down to see your rate and early repayment charge end date.
- This will show your rate from the previous day.
Visit our how to register help page for more information.
Get the app
In Online Banking
- You can see your current interest rate on your mortgage details page.
- To check your current rate end-date, go to ‘Tools’, select ‘Statements and documents’ and then your mortgage.
- Thiswill show your rate from the previous day.
Log in to Online Banking
Can I switch my rate?
If your mortgage doesn’t come with an early repayment charge, you can switch your rate with us now.
If you’re in the last 180 days of an early repayment charge period, you can switch your rate, but your current rate won’t change until those 180 days are up.
If you’ve got more than 180 days of an early repayment charge period left, you can still switch now, but you’ll need to pay the charge.
I’m interested in switching my rate
Check if you have an early repayment chargefirstthen answer the below question to help you to understand the simplest and quickest way to switch your rate.
I’ve already applied to switch my rate
If you applied to switch your rate on the phone, it can take 20 working days for your application to arrive. You’ll need to complete this to switch your rate.
If you’d like to change or cancel an application you’ve already made, you can call us on 0333 202 7580*. We’re here Monday to Friday 7am to 8pm, and Saturday to Sunday 7am to 5pm (excluding public holidays).
* Call charges
How do I check what my early repayment charge is?
In the Barclays app
- Choose your mortgage from the list of accounts, then ‘Get a settlement amount’.
- If you have an early repayment charge, you’ll see the total amount for all your mortgage accounts here.
- You can check your charge for each individual account in your mortgage offer or mortgage information sheet. Select ‘More’, then ‘Statements and documents’ to find these.
Visit ourhow to registerhelp page for more information.
Get the app
In Online Banking
- Choose your mortgage from the list of accounts, then select ‘Mortgage management’ and ‘Get a mortgage settlement amount’.
- If you have an early repayment charge, you’ll see the total amount for all your mortgage accounts here.
- To check your current rate end-date, select ‘Tools’, ‘Cloud It’ and then your mortgage. Search for ‘Mortgage offer’ in the ‘Search for a statement or document’ box.
Log in to Online Banking
What does a change in the base rate mean?
The base rate is the rate the Bank of England charges banks and other lenders when they borrow money. It affects the interest rates that banks charge people for their mortgage, loans, or other types of borrowing.
This means your mortgage rate could change when the Bank of England changes the base rate, depending on what type of mortgage you have.
Read more about how a change in base rate might affect your mortgage on our mortgage base ratepage.
More ways we can help
Mortgage guides and advice
We’re here to help with your plans
Practical tips to help you understand the home-buying and mortgage process, whether you’re starting out, moving, remortgaging or buying to let.
Mortgage guides
Exclusive mortgage rates for existing customers
Switch to a new rate if you have a mortgage with us
If you have a mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more.
See your rates
You can also check ourfull mortgage range[PDF, 286KB] to see if our other mortgages are suitable for you, download ourtariff of mortgage charges[PDF, 265KB] and read ourlegal information.
