Barclays makes ‘market leading’ change for thousands of mortgage customers

March 3, 2025

4 minutes read

It marks the second time Barclays has announced mortgage rate cuts over the past month, with mortgage holders handed a big boost.

Mortgage price wars are heating up as Barclays slashes interest rates again to “market leading” levels. It marks the second time Barclays has announced mortgage rate cuts over the past month, with mortgage holders handed a big boost.

The rate changes will take effect from Tuesday March 4. Barclays is now offering their five-year fixed Green Home mortgage at just 3.96 per cent – the lowest five-year fixed rate on the market.

Sian McIntyre, Managing Director of Mortgages and Savings at Barclays, said: “With bills and costs rising, we know how challenging homebuyers are finding things right now. We’ve introduced several rate drops already this year across our mortgage range, making a real difference in affordability, and we’re delighted to announce more rate cuts.

“This includes bringing our Green Home mortgage even further below four per cent, making it the lowest five-year fixed rate available on the market.”

Full list of Barclays’ existing product decreases for residential purchases only:

4.21 per cent Premier 2 Yr Fixed £899 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.10 per cent
4.22 per cent 2 Yr Fixed £899 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.11 per cent
4.11 per cent 2 Yr Fixed £0 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.36 per cent
4.33 per cent Premier 2 Yr Fixed £899 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.24 per cent
4.34 per cent 2 Yr Fixed £899 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.25 per cent
4.35 per cent 2 Yr Fixed £0 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.45 per cent
4.52 per cent 2 Yr Fixed £899 product fee – 85 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.49 per cent
4.69 per cent 2 Yr Fixed £0 product fee – 85 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.63 per cent
5.00 per cent Premier 2 Yr Fixed £899 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.73 per cent
5.01 per cent 2 Yr Fixed £899 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.74 per cent
5.41 per cent 2 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.93 per cent
4.85 per cent 2 Yr Fixed £1999 product fee – 85 per cent LTV – Min loan £2m – Max loan £5m – will decrease to 4.72 per cent
5.49 per cent 5 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.74 per cent
5.41 per cent 2 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.93 per cent
4.29 per cent 5 Yr Fixed £899 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.16 per cent
4.29 per cent 5 Yr Fixed £0 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.19 per cent
4.36 per cent 5 Yr Fixed £899 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.19 per cent
4.36 per cent 5 Yr Fixed £899 product fee – 85 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.36 per cent
4.69 per cent 5 Yr Fixed £899 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.57 per cent
4.74 per cent 5 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.62 per cent
4.79 per cent 5 Yr Fixed £1999 product fee – 85 per cent LTV – Min loan £2m – Max loan £5m – will decrease to 4.76 per cent
4.31 per cent Green Home 2 Yr Fixed £0 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.26 per cent
4.51 per cent Green Home 2 Yr Fixed £0 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.35 per cent
5.13 per cent Green Home 2 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.89 per cent
4.89 per cent Green Home 5 Yr Fixed £899 product fee – 60 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.39 per cent
4.96 per cent Green Home 5 Yr Fixed £899 product fee – 75 per cent LTV – Min loan £5k – Max loan £2m – will decrease to 4.09 per cent
5.45 per cent Green Home 5 Yr Fixed £0 product fee – 90 per cent LTV – Min loan £5k – Max loan £640K – will decrease to 4.52 per cent
5.45 per cent Mortgage Guarantee 2 Yr Fixed £0 product fee – 95 per cent LTV – Min loan £25K – Max loan £570K – will decrease to 5.28 per cent
5.23 per cent Mortgage Guarantee 5 Yr Fixed £0 product fee – 95 per cent LTV – Min loan £25K – Max loan £570K – will decrease to 5.03 per cent