Barclays cuts residential mortgage rates by up to 0.66%

The majority of the rate reductions are to higher-LTV mortgage rates.

Related topics:  Barclays,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
8th July 2026
Barclays

Barclays has announced rate reductions of up to 0.66% across its residential purchase and remortgage ranges.

Available from tomorrow, two-year fixed rates at 60% LTV now start from 4.25% with an £899 product fee and 4.45% fee-free.

Some of the largest reductions are to two-year fixed rates at 85% and 90% LTV.

At 85% LTV, two-year fixed rates have reduced by 47bps to 4.61% with an £899 fee and by 62bps to 4.78% fee-free.

90% LTV two-year fixes are down by 61bps to 4.64% with a fee and by 66bps to 4.79% with no fee.

At 95% LTV, a fee-free two-year fix has reduced by 39bps to 5.11%.

Three-year fixed rates at 90% and 95% LTV have seen smaller reductions of up to 0.23%, down to 4.99% and 5.09% respectively, both with an £899 fee.

Selected five-year fixed rates at 85-95% LTV have also seen cuts of up to 11bps.

In addition, selected two and five-year fixed rate Green Home mortgage rates are reducing by up to 0.66%

In Barclays' remortgage only range, two-year fixed rates at 60% LTV have reduced by 15bps, available from 4.39% for a Premier product and 4.42% for the standard product, both  with a £999 fee.

Finally, Barclays has reduced selected two and five-year fixed rate existing customer 'Reward' rates by up to 11bps.

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