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Barclays cuts rates by up to 66bps across selected residential ranges

Barclays cuts rates by up to 66bps across selected residential ranges
Tania Ahmed
Written By:
Posted:
July 8, 2026
Updated:
July 8, 2026

Barclays has announced cuts across its residential remortgage-only, purchase-only, and existing residential customer reward ranges.

The biggest reductions are focused on higher-loan-to-value (LTV) borrowing – at 85-90% LTV – and Green Home products.

Its remortgage-only range has seen cuts up to 0.15%.

The Premier two-year fixed rate at 60% LTV with a £999 product fee will decrease to 4.39% from 4.54%.

The 4.63% two-year fixed rate product at 75% LTV with a £999 product fee will decrease to 4.52%.

Its five-year fixed rate product at 75% LTV with a £999 product fee will decrease to 4.85% from 4.91%.

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Barclays’ Green Home two-year fixed rate at 90% LTV saw one of the largest reductions in the range, dropping by 66 basis points (bps) from 5.35% to 4.69%.

The same reduction of 66bps was seen in its two-year fixed at 90% LTV, down from 5.45% to 4.79%.

In Barclays’ purchase-only range, its Premier two-year fixed at 85% LTV was cut by 62bps from 5.35% to 4.73%.

In Barclays’ residential customer reward range, the largest reduction was an 11bps cut to its EMC Reward two-year fixed at 75% LTV, which fell from 4.63% to 4.52%.

Additionally, the EMC Reward five-year fixed at 75% LTV with no fee was cut by 4bps from 5.03% to 4.99%.

Furthermore, the EMC Reward five-year fixed at 85% LTV with a £999 fee was cut by 5bps from 4.95% to 4.9%.

The reductions will be available from 9 July.