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International Banking

Part and part mortgages

The best of both worlds

A part and part mortgage allows you to split your home loan and combine the security of a fixed rate mortgage with the flexibility of a tracker mortgage.

What you need to know

Benefits

Tailor your mortgage to meet your needs by splitting your loan across both fixed and tracker mortgages
Enables you to manage your exposure to the Bank of England Base Rate changes
Fee-free early repayments on the tracker part of your mortgage.

Things to consider

On the tracker part of your mortgage your repayments could rise or fall, depending on how the Bank of England Base Rate changes
On the fixed part of your mortgage, additional fees apply to early repayments

Rates and fees

To find the right mortgage for you see our rates and fees
For more information about our part and part mortgages, read our mortgage guides

Repayment options available

Capital repayment

You pay capital and interest throughout the term, reducing the amount owed in conjunction with paying off interest. The mortgage will be paid off in full when the term ends.

Interest only

Your monthly payments only cover the interest on the mortgage. At the end of the term, you’ll still owe the amount you originally borrowed, and you’ll have to repay it in full.

Please note

Your home may be repossessed if you do not keep up repayments on your mortgage.
Your investment property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage.

Remember that where the mortgage is denominated in a currency other than your home currency, changes in the exchange rate may increase the equivalent value of the debt in terms of your home currency.

Looking to buy a UK home?

If you're an International Banking client, talk to us about your mortgage options – call us on +44 (0)1624 684316*.

Not yet a client?

If you would like to become an International Banking client – call us on +44 (0)1624 684316*.

Alternatively, apply for an account online.

Apply now

Please see eligibility criteria below¹.

Important information

International Banking is available if you have £100,000 (or currency equivalent) to deposit and maintain across your accounts.

If your loan is denominated in a currency other than sterling changes in the exchange rate may increase the sterling equivalent of your debt. Terms and conditions apply to all mortgage products. It's important to understand the tax implications of buying a UK property. We strongly recommend that you obtain your own independent tax advice to ensure you fully understand your obligations before proceeding with an offshore mortgage. Barclays will require a first charge over the property.

Barclays is a responsible lender and when considering your application for borrowing, your financial circumstances will be appraised. Remember should you run into difficulties please contact us immediately.

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 Barclays Bank PLC in London, Isle of Man and Jersey and by Barclays Bank UK PLC. For more information, please read the important information page.^{Return to reference}

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