What's the relationship between Barclays and Woolwich?
Woolwich - a leading bank and former building society - became part of Barclays in 2000. Woolwich Mortgages is now the mortgage brand of the Barclays Group. This means that you can take advantage of Woolwich's strength and expertise in the mortgage and home loan market as well as the security of banking with Barclays.
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Your home may be repossessed if you do not keep up repayments on your mortgage
Fixed rate mortgages
Take one small step towards buying the property of your dreams with a Woolwich mortgage. You can review the main features of our mortgages using the tabs below. Or if you'd like more help selecting a mortgage, take a look at our Mortgage rates
Our fixed rate mortgages give you the security of a set monthly repayment for a specific period, regardless of how interest rates perform. Perfect if you're planning ahead or working to a budget.
Manage your money the way you want with our flexible offset mortgages. You could cut years off your mortgage term and reduce the amount of interest you'll pay.
A tracker mortgage could be ideal if you want a mortgage that moves in line with Barclays Bank Base Rate (BBBR). When BBBR falls, your monthly repayments fall. If the BBBR rises, so do your repayments.
Buying an investment property? We offer a range of fixed and tracker Buy to Let mortgages. All you have to do is choose the one that's right for you - and find the right tenants.
As a first time buyer, you can choose from any of the mortgages in our range.
Here are the five definitions that we think you'll find most helpful.
With a capped-rate mortgage, your payments are variable and often linked to a base rate but they are fixed not to go above a certain level, known as the 'ceiling' or 'cap'. These kinds of mortgage are useful if you want the security of knowing that your payments can't rise above a certain level and you still benefit if they fall.
A fee payable if you repay all or part of your mortgage earlier than the agreed term from your lender. This may not always apply and will be dependent on your terms and conditions.
The difference between the amount you owe on your mortgage and the current value of your property.
Most insurance policies have exclusions - the things they don't cover. It's worth checking your policies for exclusions as they could affect any claims you make.
This is how a lender calculates the interest payable on your mortgage. This may be calculated on a daily, monthly or annual basis.
Other terms you're not sure of? See our Mortgages Jargon Buster
Barclays Bank PLC. Registered in England. Barclays Bank is authorised and regulated by the Financial Services Authority (FSA), Registered No 1026167. Barclays Insurance Services Company Limited is authorised and regulated by the FSA. Registered No 973765. Registered Office for both: 1 Churchill Place, London, E14 5HP. "The Woolwich" and "Woolwich" are trademarks of Barclays Bank PLC.
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