Mortgage Rates
Barclays Cuts New purchase Mortgage Rates by Up to 4bps
Barclays mortgage rates changed across 1 tracked product rows. The largest movement was 4 basis points on a tracker New Purchase rate at 75% LTV.
The largest movement
Barclays changed 1 tracked mortgage terms in its 2026-09-11 update. The largest movement affected the tracker rate on New Purchase at 75% LTV: it fell from 4.24% to 4.20%, a 4 basis-point reduction.
That headline movement applies to the identified new purchase product, not automatically to every Barclays mortgage. RateWatch separates each borrower category, fixed or tracker term, LTV band and fee so the update remains a dated factual record rather than a lender-wide generalisation.
On an illustrative £250,000 capital-and-interest repayment mortgage over 25 years, the change from 4.24% to 4.20% changes the estimated monthly repayment from £1352.95 to £1347.36. That is a reduction of £5.59 per month.
This calculation uses monthly repayments and assumes the stated rate applies throughout the illustration. It excludes arrangement fees, incentives, valuation costs, legal costs, insurance, early-repayment charges and individual affordability or eligibility decisions. It is an illustration of the rate movement, not a mortgage quote or advice.
Rates observed 2026-09-11: Mortgage rates may have changed since this article was published. View the latest rates on the relevant lender page or mortgage comparison.
Products and borrower groups affected
The affected borrowers depend on the product rows below. A 75% LTV product generally requires at least 25% equity or deposit, subject to lender criteria. Someone comparing this update should keep the borrower purpose (new purchase), tracker term, 75% LTV and fee structure aligned.
The largest basis-point movement is useful as a concise description of the update, but it does not replace a product-level comparison. A smaller movement on another row may be more relevant to a particular borrower, while a fee difference can outweigh a modest headline-rate difference over an initial deal period.
| Borrower type | Product | Term | LTV | Previous | New | Movement | Fee |
|---|---|---|---|---|---|---|---|
| New purchase | New Purchase | tracker | 75% | 4.24% | 4.20% | -4bps | £899 fee |
Comparable products captured by RateWatch
New Purchase, 75% LTV tracker
| Lender | Product | LTV | Term | Rate | Fee | Observed |
|---|---|---|---|---|---|---|
| Halifax | New Purchase | 75% | tracker | 4.18% | £999 fee | 2026-09-15 |
| Lloyds | New Purchase | 75% | tracker | 4.18% | £999 fee | 2026-09-15 |
| Barclays | New Purchase | 75% | tracker | 4.20% | £899 fee | 2026-09-11 |
| NatWest | New Purchase | 75% | tracker | 4.23% | £995 fee | 2026-09-12 |
| Santander | New Purchase | 75% | tracker | 4.25% | £999 fee | 2026-09-14 |
| Leeds Building Society | New Purchase | 75% | tracker | 4.26% | £999 fee | 2026-09-12 |
| HSBC | Home Mover - Residential | 75% | tracker | 4.27% | £999 fee | 2026-09-15 |
These rows keep borrower purpose, LTV and changed term aligned. Fees remain visible because a lower rate does not by itself establish a lower total cost.
How to read this dated update
This article records rates observed on 2026-09-11. It should be read as historical evidence of a Barclays pricing change, while the linked lender and comparison pages show the latest captured data. Product availability and lending criteria may have changed after the observation date.
Evidence and calculation method
RateWatch produced this article from 1 lender product rows carrying 1 supported term-level changes. This calculation method requires both a previous and a current numeric rate. The basis-point calculation is performed in application code by subtracting the old percentage rate from the new percentage rate and multiplying the difference by 100; generated prose is not allowed to invent that figure.
The comparison data is filtered by borrower category, LTV, term and fee tier before it is shown. Rows that do not satisfy those conditions are omitted rather than used to support a broader claim. RateWatch does not infer why Barclays changed its pricing and does not make comparative superlative or ranking claims. The source date remains attached to this historical report so later lender changes are not silently written back into it.
Readers should verify current availability, lending criteria and the total cost of a product before acting. The live lender and comparison pages are the appropriate place to check newer observations; this article preserves the change recorded on 2026-09-11.
Frequently Asked Questions
How much did Barclays change its mortgage rates?
The largest movement in this update was 4 basis points. The affected tracker new purchase rate at 75% LTV reduced from 4.24% to 4.20%.
Which Barclays mortgage changed the most?
New Purchase at 75% LTV recorded the largest movement, affecting its tracker rate. Other products in the update may have moved by different amounts.
Did every Barclays tracker rate at 75% LTV change by 4bps?
No. RateWatch detected 1 term-level movements across 1 tracked product rows. The table in this article lists each supported old-to-new movement separately.
When was the Barclays New Purchase change observed?
The rates in this article were observed for the lender update dated 2026-09-11. They are a historical snapshot and may no longer be the rates currently available.
Where can I check the latest Barclays New Purchase rates?
Use the linked RateWatch lender page or mortgage comparison to check the most recently captured rates, keeping the borrower category, term, LTV and fee aligned.