Secured Loans from Barclays | Borrow Up to £2M
Barclays offers secured loans with borrowing up to £2,000,000. Backed by a major UK bank, get competitive fixed or tracker rates. Apply now.
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Spotlight on Barclays
Barclays is a major UK bank with a centuries-long reputation for reliable lending. The main secured lending option on their website is a top-up on your existing Barclays mortgage - also known as a further advance.
Secure mortgage top-ups
Current Barclays mortgage customers can borrow against their property, often at competitive rates, for uses like home improvements or debt consolidation. Here are the key features of their mortgage top-ups:
- Borrowing limits: You can borrow up to 85% loan-to-value (LTV) of your property, or 80% for debt consolidation.
- Loan structure: The total borrowing includes your mortgage balance plus the new funds.
- Repayment terms: You can repay over your remaining mortgage term or set up a new term for the top-up.
- Interest rates: Barclays offers fixed and tracker rates to start, typically switching to variable after a period. Representative rates (July 2025) range from 4.4% to 6%+.
- Eligibility: This product is only available to Barclays mortgage holders, subject to affordability and credit check.
- Loan terms: Terms can extend to 40 years, though interest-only portions are capped at 25 years.
- Loan amounts: The minimum amount is £1,000, with some customers able to borrow up to £2 million (and £10 million in some cases), depending on circumstances.
Summing up
Whether you need £20,000 or £100,000, Barclays secured mortgage top-ups offer clear terms and competitive rates. They're a smart choice if you're Barclays customer looking to make major financial moves with your home bank.
Frequently Asked Questions: Secured Loans
How does a Barclays top-up loan work?
Rather than adding to your existing loan, Barclays sets up a new one for the total amount - up to £50,000 if you apply online. They'll create a new loan and clear the original, leaving you with the remainder. The new loan may have a different rate or term, which could mean higher overall interest.
How does a Barclays top-up loan work?
Rather than adding to your existing loan, Barclays sets up a new one for the total amount - up to £50,000 if you apply online. They'll create a new loan and clear the original, leaving you with the remainder. The new loan may have a different rate or term, which could mean higher overall interest.
How does a Barclays top-up loan work?
Rather than adding to your existing loan, Barclays sets up a new one for the total amount - up to £50,000 if you apply online. They'll create a new loan and clear the original, leaving you with the remainder. The new loan may have a different rate or term, which could mean higher overall interest.
How does a Barclays top-up loan work?
Rather than adding to your existing loan, Barclays sets up a new one for the total amount - up to £50,000 if you apply online. They'll create a new loan and clear the original, leaving you with the remainder. The new loan may have a different rate or term, which could mean higher overall interest.
What are the benefits of a top-up loan?
At Barclays, you'll get a personalised top-up loan quote upfront - without impacting your credit score. If approved and signed online between 5am and 11pm, funds could be sent straight away. Plus, the fixed monthly repayments and ability to choose your payment date could make budgeting easier.
What are the benefits of a top-up loan?
At Barclays, you'll get a personalised top-up loan quote upfront - without impacting your credit score. If approved and signed online between 5am and 11pm, funds could be sent straight away. Plus, the fixed monthly repayments and ability to choose your payment date could make budgeting easier.
What are the benefits of a top-up loan?
At Barclays, you'll get a personalised top-up loan quote upfront - without impacting your credit score. If approved and signed online between 5am and 11pm, funds could be sent straight away. Plus, the fixed monthly repayments and ability to choose your payment date could make budgeting easier.
Can I repay the loan early?
Barclays clarifies in their FAQs that you have the right to repay your loan early, whether partially or in full, and there's no minimum repayment period. You can request an up-to-date settlement figure online or via their app.
Can I repay the loan early?
Barclays clarifies in their FAQs that you have the right to repay your loan early, whether partially or in full, and there's no minimum repayment period. You can request an up-to-date settlement figure online or via their app.
Can I repay the loan early?
Barclays clarifies in their FAQs that you have the right to repay your loan early, whether partially or in full, and there's no minimum repayment period. You can request an up-to-date settlement figure online or via their app.
What can I use the loan for?
Barclays secured loans are highly versatile - you can use them for home improvements, consolidating debt, or funding major purchases.
What can I use the loan for?
Barclays secured loans are highly versatile - you can use them for home improvements, consolidating debt, or funding major purchases.
What can I use the loan for?
Barclays secured loans are highly versatile - you can use them for home improvements, consolidating debt, or funding major purchases.
How long can I take to repay the loan?
Additional borrowing through your mortgage may be spread over 40 years, depending on the length of your mortgage. Remember that any secured loan comes with the risk of losing your home if you don't keep up with repayments.
How long can I take to repay the loan?
Additional borrowing through your mortgage may be spread over 40 years, depending on the length of your mortgage. Remember that any secured loan comes with the risk of losing your home if you don't keep up with repayments.
How long can I take to repay the loan?
Additional borrowing through your mortgage may be spread over 40 years, depending on the length of your mortgage. Remember that any secured loan comes with the risk of losing your home if you don't keep up with repayments.
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