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Compare Barclays Personal Loans

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.79%
Rate type: Fixed 27 months
Monthly cost: £551.16 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.8% APRC
Platform logo 0.79% Fixed 27 months 3.8% APRC 60% £1,499 £551.16 per month get quotes Call us0117 403 4474
Initial rate: 0.84%
Rate type: Fixed 26 months
Monthly cost: £554.51 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
HSBC logo 0.84% Fixed 26 months 3.2% APRC 60% £999 £554.51 per month get quotes Call us0117 403 4474
Initial rate: 0.84%
Rate type: Fixed 27 months
Monthly cost: £554.51 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.8% APRC
Platform logo 0.84% Fixed 27 months 3.8% APRC 60% £999 £554.51 per month get quotes Call us0117 403 4474
Initial rate: 0.84%
Rate type: Fixed 27 months
Monthly cost: £554.51 per month
Max LTV: 60%
Product fee: £749
Overall cost for comparison: 3.0% APRC
Santander logo 0.84% Fixed 27 months 3.0% APRC 60% £749 £554.51 per month get quotes Call us0117 403 4474
Initial rate: 0.84%
Rate type: Fixed 27 months
Monthly cost: £554.51 per month
Max LTV: 60%
Product fee: £749
Overall cost for comparison: 3.0% APRC
Santander logo 0.84% Fixed 27 months 3.0% APRC 60% £749 £554.51 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.84%
Rate type: Fixed 26 months
Monthly cost: £554.51 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
TSB logo 0.84% Fixed 26 months 3.2% APRC 60% £995 £554.51 per month get quotes Call us0117 403 4474
Initial rate: 0.86%
Rate type: Fixed 26 months
Monthly cost: £555.85 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.86% Fixed 26 months 3.2% APRC 60% £999 £555.85 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.87%
Rate type: Fixed 26 months
Monthly cost: £556.53 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.87% Fixed 26 months 3.2% APRC 60% £995 £556.53 per month get quotes Call direct0800 068 8567
Initial rate: 0.87%
Rate type: Fixed 26 months
Monthly cost: £556.53 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.87% Fixed 26 months 3.2% APRC 60% £995 £556.53 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.87%
Rate type: Fixed 26 months
Monthly cost: £556.53 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.87% Fixed 26 months 3.2% APRC 60% £995 £556.53 per month get quotes Call direct0800 068 7706
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Barclays Loans

Compare Barclays loans

Barclays is one of the UK’s best known banks and offers a range of borrowing options. Which type of loan is likely to represent the best deal for you will depend on your borrowing needs and personal circumstances.

Whether you need money for a car, to improve your home or for any other reason, it is sensible to familiarise yourself with the various options so you can make an informed decision.

Personal Loans

Barclays personal loans

A Barclays personal loan can be a quick and relatively straightforward way to access the money you need. A personal loan is unsecured, which means it is not directly tied to any of your assets.

This type of borrowing is usually best for smaller amounts of money required for a shorter period.

Advantages of Barclays personal loans

  • Borrow from £7,500 to £15,000
  • Repay over 2-5 years
  • Make fixed monthly payments for the term of the loan
  • Many customers can get a personalised quote upfront with no effect on their credit score
  • Receive the agreed funds as soon as your loan is approved and you sign the online loan agreement
  • You can pay off your loan in part or full early, subject to a charge

Restrictions on Barclays personal loans

      • You must be a UK resident
      • You must be over 18
      • For online applications you need to be an existing Barclays customer
      • Failing to keep up with your repayments could harm your credit rating and make it much harder to borrow in future
      • Repeated missed payments could lead to a county court appointing a bailiff to recover the debt by seizing your belongings

Borrow more with a secured loan

If you require more than £15,000, Barclays offer secured loans which they refer to as “homeowner loans”. This allows you to borrow money against the market value of your home and can allow you to get substantially more credit than with an unsecured loan.

Advantages of Barclays homeowner loans

      • Borrow up to £250,000
      • Pay over 1-25 years
      • Pay a fixed rate of interest for the term of the loan
      • Get a quote without affecting your credit score

Restrictions on Barclays homeowner loans

      • You must own your own home
      • You must be over 18
      • You must have the permanent right to reside in the UK
      • You must have a household income of at least £8,000 a year
      • If you fail to keep up with repayments, you may be required to sell your home to cover the outstanding balance

To find the best deals on secured loans, head over to our secured loan calculator.

Need to borrow more than £25k?

Finding the right loan for your needs and financial circumstances can be tricky, especially when there are so many different lenders and types of loan to choose from.

If you are a homeowner or landlord and are looking to raise finance to improve your property, our team of specialist loan advisors can help. Simply give Fair Mortgages a call on 0117 403 4474 or use our contact form to get in touch.