Unfortunately, this deal is no longer valid
Barclays Mortgage 2yr 1.24% + £999 / 5y 1.58% + £999 60% LTV / 5y 1.63% + £999 75% LTV
309° Expired

Barclays Mortgage 2yr 1.24% + £999 / 5y 1.58% + £999 60% LTV / 5y 1.63% + £999 75% LTV

21
Posted 17th Sep

This deal is expired. Here are some options that might interest you:

Barclays have dropped their rates today making them one of the lowest available at the moment.

5y 1.63% + £999 75% LTV

barclays.co.uk/con…pdf
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21 Comments
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90% LTV with £999 product fee.
2.4% for two year think I’ll take the 5 year for 1.59%
Anon3217/09/2019 15:54

2.4% for two year think I’ll take the 5 year for 1.59%


Ops should be 1.24%, fixed title
So gutted. Signed up to 5 years at 1.99 in February
reformedEffortMaker17/09/2019 19:39

So gutted. Signed up to 5 years at 1.99 in February


Same here, wish I could change as I am with Barclays anyway?
Semisky17/09/2019 22:26

Same here, wish I could change as I am with Barclays anyway?


Only if you're in the last 90 days. Not sure if they have different rates for product switches, I know Natwest etc have higher rates on switching
Good deal, heat
When Halifax is going to follow 😡
rates seem to be dropping massively which is quite interesting considering a lot of the predictors thought that would rocket up. remortgaged with Barclays last month on a 75% LTV which 6 months ago started at 2.49% and ended up at 1.99% which I was really happy with.

I would say the solicitors they make you use are, at least in my experience, quite painfully slow and try to add extra fees on at every step. Also keep in mind their underwriters are particularly pernickety so expect quite a few questions and requests for more info.
Thanks op.

Funnily enough I was just on their mortgage site as my current Barclays deal ends next month.

I do get really confused about the value of a deal after taking into consideration the arrangement fee I must admit.

Think I'm currently looking at a 2 year fixed at 1.49% with a £299 fee. But that's just initial thoughts!
I just taken mortgage with them for 5 years fixed 2.44% ... .Haven't paid even once yet - any ideas if it's too late to change the terms?
Ratlee9418/09/2019 11:32

I just taken mortgage with them for 5 years fixed 2.44% ... .Haven't paid …I just taken mortgage with them for 5 years fixed 2.44% ... .Haven't paid even once yet - any ideas if it's too late to change the terms?


If the offer was accepted and completed/exchanged maybe its too late, but if you've not completed yet they will let you swap with £150 fee. Talk to your broker / Barclays.
Edited by: "Myriad" 18th Sep
Myriad18/09/2019 11:44

If the offer was accepted and completed/exchanged maybe its too late, but …If the offer was accepted and completed/exchanged maybe its too late, but if you've not completed yet they will let you swap with £150 fee. Talk to your broker / Barclays.


Nvm, już realised it's not suitable for me, mine was 90% LTV cracki g deal anywayz voted hot ^^
How long does a mortgage offer last for? I am in the last year of my 5 year fix ends 30th sept 20. Unless rates gover over 2.49% then its not woth taking the 1% fee to leave early. But depending on certain circumstances with this country if rates are still low is it worth going for a mortgage before the end date if its held open for a couple of months. Also its nit exactly quick to do a mortgage. Any idea
Anon3218/09/2019 12:21

How long does a mortgage offer last for? I am in the last year of my 5 …How long does a mortgage offer last for? I am in the last year of my 5 year fix ends 30th sept 20. Unless rates gover over 2.49% then its not woth taking the 1% fee to leave early. But depending on certain circumstances with this country if rates are still low is it worth going for a mortgage before the end date if its held open for a couple of months. Also its nit exactly quick to do a mortgage. Any idea


Barclays is 6 months, others are 3ish. Most big banks should be 6
Monkeycymru18/09/2019 10:40

Thanks op.Funnily enough I was just on their mortgage site as my current …Thanks op.Funnily enough I was just on their mortgage site as my current Barclays deal ends next month.I do get really confused about the value of a deal after taking into consideration the arrangement fee I must admit.Think I'm currently looking at a 2 year fixed at 1.49% with a £299 fee. But that's just initial thoughts!


Exactly I am in same situation . I might consider their 5 year fixed one
Can someone explains what the +£999 is and 75% LTV?
Can you change from mortgage lender to go with this deal?
Myriad18/09/2019 11:44

If the offer was accepted and completed/exchanged maybe its too late, but …If the offer was accepted and completed/exchanged maybe its too late, but if you've not completed yet they will let you swap with £150 fee. Talk to your broker / Barclays.


Thanks Myriad I was accepted for 1.64 with Barclays but now changing to 1.58, worth the fee
Edited by: "sten" 19th Sep
I was on a 25 year mortgage, remortgaging now after 5 years. Does it work out any cheaper to mortgage for another 25 and overpay each month (repaying 5 years early) or mortgage for 20 years and not overpay for the same amount coming out of my account? About £1k
sten19/09/2019 13:16

I was on a 25 year mortgage, remortgaging now after 5 years. Does it work …I was on a 25 year mortgage, remortgaging now after 5 years. Does it work out any cheaper to mortgage for another 25 and overpay each month (repaying 5 years early) or mortgage for 20 years and not overpay for the same amount coming out of my account? About £1k


youre going to have to do your own maths on this as its relative to how much your interest rate is, how much you borrow etc.

You want to look at the fixed rates because once those rates expire and you move onto the variable the repayments on your mortgage go up but the extra isnt paying off the compound amount its just going to interest.

for example 2 year fixes have the lowest interest rates however if you're being lumped with £999 in fees every 2 years and you're on a small amount borrowed lets say less than £200k it doesnt make sense and you'd go for the higher % without fees.


if your unsure talk to a mortgage adviser.
Edited by: "c58" 19th Sep
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