If you're unsure whether you have any payments set up, please call us on 0333 202 7591*.
Can I use my existing Direct Debit to make an overpayment on my mortgage?
Yes, you can log in to Online banking to make this happen.
Alternatively, please call us on 0333 202 7591*.
Can I change the date of my mortgage repayments?
Yes, if you're paying by Direct Debit, you'll need to change the collection date.
Call us on 0333 202 7591*.
Can I manage my offset mortgage online?
If you're registered for Online Banking, you can link and unlink accounts to or from your offset mortgage. You'll need to log in using your PINsentry card reader or Mobile PINsentry to make changes.
Why would I link a current account or a savings account to my offset mortgage?
If you have an offset mortgage, linking an account to your mortgage means you can use the credit balance on linked accounts to reduce the balance on which your mortgage interest is calculated.
What is a contractual monthly payment?
It's the amount you've agreed to pay for your mortgage each month. It doesn't take into account any additional payment arrangements you may have, though.
Is there a list of mortgage definitions?
I have an offset mortgage - what does linking mean?
You can offset a number of eligible Barclays accounts and use them to reduce your mortgage payments or mortgage term. This is known as linking.
By linking an account with your offset mortgage, you’ll only pay interest on the difference between your mortgage amount and the net credit balances in your linked accounts.
If you have a credit balance on your current account or have money in a savings account or cash ISA* for example, you can offset this. You may wish to check whether offsetting your account is right for you. This may depend on your personal circumstances and requirements as well as the interest rates payable on your accounts.
*If in the future you don’t want to offset your ISA accounts, you will not have lost your historical tax-free cash ISA capital allowance.
What should I do if I have concerns about my ability to make a monthly payment?
If you have concerns about your ability to make monthly payments, please call us on 0333 202 7591*.
* Lines are open Monday to Friday 8.30am – 5.30pm, Saturday 9am – 1pm. To maintain a quality service, we may monitor or record phone calls. Calls to 0800, 0808 and 0500 numbers are free if made from a UK landline. Non-BT customers and mobile phone users should contact their service providers for information about the cost of calls.