Barclays cuts mortgage rates across remortgage/existing customer ranges

08 December 2025

We’re cutting mortgage rates, with a focus on remortgage and our existing customer range - some going further below 4%. All changes are effective from tomorrow, Tuesday 9th December.

Existing product decreases

Residential

Remortgage only

3.80% Premier 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.70%
3.81% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.71%
3.92% 2 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.82%
4.07% The Great Escape™ 2 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m will decrease to 4.04%
4.17% The Great Escape™ 2 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.12%
3.84% Premier 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.80%
3.85% 5 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 3.81%
3.93% 5 Yr Fixed £999 product fee, 75% LTV, Min loan £5k, Max loan £2m will decrease to 3.88%
4.03% The Great Escape™ 5 Yr Fixed £0 product fee, 60% LTV, Min loan £50k, Max loan £2m will decrease to 4.00%
4.10% The Great Escape™ 5 Yr Fixed £0 product fee, 75% LTV, Min loan £50k, Max loan £2m will decrease to 4.05%

Existing customer reward range

Residential

3.80% EMC Reward 2 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.70%
4.07% EMC Reward 2 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 4.03%
3.92% EMC Reward 2 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.81%
4.17% EMC Reward 2 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.11%
3.84% EMC Reward 5 Year Fixed £999 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.80%
4.03% EMC Reward 5 Year Fixed £0 product fee, 60% LTV, Min loan £1k, Max loan £2m will decrease to 3.99%
3.93% EMC Reward 5 Year Fixed £999 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 3.87%
4.10% EMC Reward 5 Year Fixed £0 product fee, 75% LTV, Min loan £1k, Max loan £2m will decrease to 4.04%
3.96% EMC Reward 5 Year Fixed £1999 product fee, 70% LTV, Min loan £2m, Max loan £10m will decrease to 3.90%