Barclays is one of the UK’s most well-known mortgage lenders, offering competitive rates and generous affordability for a wide range of clients. With a strong online system, excellent product range, and options for up to 5.5x income lending, Barclays is a great choice for professionals, employed applicants, and home movers looking to maximise their borrowing.
Barclays is one of the best lenders in the market when you want to borrow more for less. Their high income multiples, clear criteria, and well-priced mortgage deals make them an ideal option for salaried professionals, especially those looking to max out affordability without paying premium rates.
We work closely with Barclays to get applications submitted, assessed, and completed as smoothly as possible.
If you’ve got solid income and want a trusted name with competitive rates and generous borrowing power, Barclays could be the lender for you. We’ll assess your situation and tell you quickly whether you qualify.
Speak to Mortgage Knight today to check your eligibility and unlock the best of what Barclays has to offer — fast, clear, and fully supported.
A: Barclays can offer up to 5.5x your income, especially for applicants in professional roles or with strong credit and low debt. This makes them a great option for clients looking to maximise borrowing power.
A: Yes. Barclays will often accept clients on probationary contracts, provided there is a signed employment contract and the job is in line with the client’s experience or industry.
A: Yes. Barclays is flexible with variable income, often including up to 50–100% of your regular bonus, overtime or commission — depending on its consistency and how it’s evidenced.
A: Not at all. While they offer enhanced affordability for professional clients, Barclays mortgages are available to all types of applicants — employed, self-employed, joint buyers, and home movers.
A: Barclays is known for quick turnaround times, especially when the application is submitted through a broker. Decisions in Principle (DIPs) can often be issued within minutes, and full offers in a few days once documents are submitted.
A: Barclays offers mortgages from as little as 5% deposit for first-time buyers, and 10% or more for standard purchases. Higher deposits may give you access to better rates.
A: Yes. Barclays accepts self-employed applicants, usually requiring 2 years of accounts or SA302s. They assess net profit or salary + dividends, depending on your setup.
A: Barclays offers free legal work or cashback incentives on many of their remortgage deals — plus a smooth product transfer process for existing customers with no full application required.
