Barclays Lifetime Mortgages

  • No broker or advice charges
  • Free property valuation included
  • Fixed interest rate of 4.79% for Barclays Lifetime Mortgages
  • No penalties for repaying early
  • Lifetime product – no end date
  • Make monthly repayments if you choose

To see whether Barclays Lifetime Mortgages are suitable for your needs, please fill in the form below:

Barclays Bank PLC – Information Breakdown

Company Details:

  • Name: Barclays Bank PLC
  • Company Number: 01026167
  • Legal Form: Public limited company
  • Incorporated in: England and Wales
  • Registered Office: 1 Churchill Place, London, E14 5HP
  • Parent Company: Barclays PLC (Company No. 48839)

Core Business Activities:

  • Retail and business banking (outside UK ring-fence)
  • Corporate banking and institutional finance
  • Investment banking (Barclays Capital)
  • Wealth and investment management
  • Structured finance
  • Trade finance and supply chain solutions
  • International payments and FX
  • Debt capital markets and equities
  • Securitisation and asset-backed securities
  • Mortgage lending (Buy-to-let, residential, lifetime)
  • Derivatives trading (OTC and listed)
  • Custody and securities services
  • Private banking

Associated Companies / Group Entities:

  • Barclays Bank UK PLC (ring-fenced UK retail bank)
  • Barclays Execution Services Limited (infrastructure and tech services)
  • Barclays Capital Inc. (US broker-dealer)
  • Barclays Capital Securities Ltd. (UK investment firm)
  • Barclays Capital Canada Inc.
  • Barclays Bank Ireland PLC
  • Barclays Securities Japan Ltd.
  • Barclays Capital (Cayman) Ltd.
  • Barclays Bank PLC, Dubai International Financial Centre (DIFC) Branch
  • Barclays Capital Casa de Bolsa SA de CV (Mexico)
  • Barclays Nominees Limited / Barsec Nominees Limited
  • Barclays Capital Nominees (No. 1, 2, 3) Limited
  • Barclays Asset Management Limited
  • Barclays Wealth Trustees (UK) Ltd.
  • Barclays Bank Egypt SAE
  • Barclays Insurance Services Company Ltd.
  • Barclays Private Clients International Ltd. (Isle of Man/Channel Islands)
  • Kensington Mortgages (acquired 2023)
  • The Woolwich (mortgage lending brand)
  • Tesco Bank (acquisition in 2023 announced; transaction pending)

Global Regulatory Registrations and Authorisations:

United Kingdom:

  • FCA Registration Number: 122702 (Authorised)
  • PRA Authorised: Yes (Prudential Regulation Authority)
  • Data Protection Registration: Z5951686
  • Mortgage Intermediary Registration: Approved for regulated mortgage lending and administration

European Union:

  • Barclays Bank Ireland PLC (passporting under CRD IV, EEA cross-border services)
  • Registered with the Central Bank of Ireland
  • Member of European Banking Authority (EBA) capital disclosure schemes
  • MiFID II-compliant firm

United States:

  • Registered as:
    • Broker-dealer with FINRA (via Barclays Capital Inc.)
    • Futures Commission Merchant (FCM) with CFTC
    • Swap Dealer with NFA/CFTC
    • Bank Holding Company (BHC) subject to Federal Reserve supervision
    • Primary Dealer in US Treasury securities (via Barclays Capital Inc.)
  • Member of SIPC for US brokerage protection

Japan:

  • Registered with JFSA (Japan Financial Services Agency)
  • Barclays Securities Japan Ltd. (Type I Financial Instruments Business Operator)

Singapore:

  • Licensed bank under Monetary Authority of Singapore (MAS)
  • Holds Capital Markets Services licence

Australia:

  • Licensed as a foreign authorised deposit-taking institution (ADI)
  • Overseen by APRA and ASIC

Switzerland:

  • Operates under FINMA registration for institutional banking

Middle East:

  • Licensed by:
    • DIFC Financial Services Authority (DFSA) – Barclays Bank PLC DIFC Branch
    • Saudi Capital Market Authority (CMA) – asset management & advisory

Hong Kong:

  • Registered with the Hong Kong Monetary Authority (HKMA)
  • Holds SFC licence for Types 1, 4, 6, and 9 regulated activities

India:

  • Regulated by the Reserve Bank of India (RBI) and SEBI
  • Offers corporate and investment banking services through local branch

South Africa:

  • Historic links through Absa Bank Ltd. (divested but retains some collaboration)

Mortgage-Related Activities (UK) including Barclays Lifetime Mortgages:

  • Direct lender for:
    • Residential mortgages (main home, first-time buyer)
    • Buy-to-let mortgages
    • Offset mortgages
    • Green home mortgages
    • Interest-only and repayment products
    • Barclays Lifetime Mortgages
  • Lifetime mortgage facilitation via acquired brands (e.g., The Woolwich, Kensington)
  • Works with intermediaries and mortgage networks
  • Regulated under the FCA’s Mortgage Conduct of Business (MCOB) rules
  • Offers mortgage holidays, overpayment flexibility, and rate-switching tools

Capital & Compliance Frameworks:

  • Basel III fully implemented
  • Internal Ratings-Based (IRB) approach for credit risk
  • Standardised approach for operational risk (with partial AMA elements)
  • Stress testing overseen by Bank of England
  • Subject to ring-fencing rules: Investment banking segregated from Barclays Bank UK PLC
  • Annual ICAAP and ILAAP submitted to UK regulators