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Fixed rate mortgages

With a fixed rate mortgage, no matter what happens to interest rates, you know exactly how much you’ll pay each month. The interest rate on your mortgage is ‘fixed’ – that is, it doesn’t change. The interest rates are pre-determined and are fixed for a set amount of time, depending on the mortgage you choose. After the fixed rate period, your mortgage will switch to a rate linked to the Barclays Bank Base Rate (BBBR) that may be higher or lower than the fixed rate. Early Repayment Charges apply during the fixed rate period.

Fixed rates - helping you budget

A fixed rate mortgage may be a great option if you’re planning ahead or working to a budget.

  • A range of different termed fixed rates
  • Know in advance how much you’ll pay each month during the fixed-rate period
  • Application fees may apply
  • Remember to budget for when the fixed rate ends as your monthly payments may increase significantly

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Remember that where the mortgage is denominated in a currency other than sterling, CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF THE DEBT.

For more information or to apply

Call us on +44 (0)1624 684305†

Terms and conditions apply to all mortgage products. We strongly recommend that you obtain your own independent tax advice before proceeding with an offshore mortgage.

Barclays Wealth will require a first legal charge over the property.

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any financial difficulties, please contact us as soon as you become aware of them.

In all forms of advertising and marketing material where repayments are quoted, we will show clearly a typical Annual Percentage Rate (APR). We will also clearly indicate in all lending-related advertising issued in Jersey that we abide by the Code of Practice for Consumer Lending.

The products and services described on this page are provided by the following companies which are part of Barclays Wealth, Barclays Bank PLC in England and Wales and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further information on these companies and Barclays Wealth please read the Important Information.