Barclays Mortgages

We Work with Barclays

As one of the UK’s largest and most established mortgage lenders, Barclays is famous for offering a range of mortgage products for first-time buyers, home movers, and remortgagers.

At Boon Brokers, we work with Barclays and other high-street lenders to provide completely fee-free, whole-of-market mortgage advice. With competitive rates and flexible terms, Barclays mortgages are a popular choice for many – but are they right for you?

Our experts can compare Barclays mortgages alongside other leading and high-street lenders to ensure you find the best mortgage deal for you.

1) Free Consultation

When you enquire with Boon Brokers, you’ll be assigned a dedicated, fee-free mortgage adviser. They will then arrange a no-obligation consultation to discuss with you your requirements and options available in full.

2) Whole-of-Market Access

As a whole-of-market broker, our expert advisers will then search the entire market to find the best deal for you. While Barclays may be the option, we’ll compare it alongside other lenders to ensure you get the mortgage deal that matches your requirements.

3) Application & Approval

Once you’ve chosen the best mortgage, we will handle the entire application process for you - entirely free of charge. At Boon Brokers, we operate on the policy that the lenders pay our commission, so you don’t have to.

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What are Current Barclays Mortgage Rates?

Barclays can offer a range of competitive mortgage rates, especially if your loan-to-value (LTV) ratio is particularly high. The reality is that rates for first-time buyers, home movers, and remortgages can all vary depending on the type of mortgage and your financial circumstances. Because of this, asking what is “best” is too much of a general perspective.

To get the most accurate and up-to-date information that places your mortgage application at its center, it’s best to work with one of our expert and whole-of-market advisers here at Boon Brokers. We can help you compare Barclays’ current rates with other leading lenders to find the mortgage deal that is best for your situation.

How Much Can I Borrow with a Barclays Mortgage?

Barclays can typically offer anywhere from 4 – 5.5 times your gross salary. However, the exact amount and calculations will be directly affected by your income, credit history and size of your deposit. Here at Boon Brokers, we work with Barclays to help assess your situation and guide you through the mortgage application process. We also have whole-of-market access that allows us to compare a wide-range of lenders, while also comparing Barclays’ offer, to find the right mortgage lender for you.

How Do I Get a Mortgage Agreement in Principle with Barclays?

The most efficient and time-saving way of applying and securing an Agreement in Principle (AIP) with Barclays is through a specialist broker. At Boon Brokers, we have extensive experience of working with Barclays and navigating the paperwork and requirements to secure an AIP. By utilising our specialist advisors, you can take peace-of-mind in the fact that we will take care of all the processes involved with an application for an AIP.

Can I Get a Barclays Mortgage Direct?

While Barclays allows for direct applications, using a mortgage broker that specialise and works with Barclays can offer a variety of benefits. With extensive experience in securing Barclays mortgage offers and a unique industry understanding of their criteria, working with Boon Brokers will simplify the entire process. As an FCA-registered whole-of-market advisor, we can also compare Barclays’ mortgage rates and deals with other available products on the market, ensuring that you understand all the options that are available to you, completely fee-free.

Find the best mortgage deal for you and contact Boon Brokers today

Whole-of-market access

We compare mortgages across 90+ UK lenders to find the best rates for you.

Barclays Mortgages

Fee-free mortgage advice

We provide expert mortgage advice remotely with our fee-free service.

Barclays Mortgages

Matched mortgage solutions

We find the best match for you, with a mortgage offer that matches your budget.

Frequently Asked Questions

Can I Overpay My Barclays Mortgage?

Yes. Just as with other lenders, Barclays will typically allow for overpayments of 10% per annum of the longstanding loan balance. While Barclays provide an overview on overpayments and underpayment with Barclays, it is important to check the terms of your specific mortgage.

Are There Early Repayment Charges with Barclays?

Yes. With some mortgage agreements, there will be an early repayment charge (ERC) if you decide to pay off your mortgage early or overpay beyond the allowed limit. The charges themselves can vary depending on the type of mortgage and stage or longevity of the remaining mortgage. You can learn more about ERC in our complete early repayment charge guide, and check Barclay specific ERCs here.

Should I Contact Barclays Directly About the Mortgage?

While you can always contact Barclays directly for information, working with an FCA approved broker - like Boon Brokers - will save you time and effort. We work with Barclays as a whole-of-market broker which allows our expert advisers to compare Barclays’ deals with other lenders to find the best option for you.

Can I Get a Remortgage with Barclays?

Yes. Barclays offer a variety of mortgages and remortgage options for homeowners looking to switch to a better deal. Additionally, if you’re already a Barclays customer, you might be eligible to switch to a new deal and avoid the higher standard variable rates. At Boon Broker, we can help you compare Barclays’ remortgage offers with other leading lenders to ensure you make the best choice for you. We will take care of the paperwork and even keep you up-to-date on any mortgage rate changes that are coming into play, keeping you informed, fee-free.

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