Barclays Equity Release

• Get a free home valuation.
• No early repayment charges
• Barclays Equity Release is 5.12% fixed for life
• No advisor or broker fees
• Optional monthly repayments
• A product that lasts a lifetime

Find out if Barclays equity release is right for you. Please complete the form below:

Equity release in the UK is most often used by homeowners aged fifty-five and above who want to access money tied up in their property without the upheaval of moving.

The most common route is a lifetime mortgage, where a loan is secured against the home and interest is added to the balance. Unlike a standard mortgage, there are usually no monthly repayments to worry about, although some plans allow voluntary payments if the borrower wishes to keep the debt lower. The released funds can be taken as a lump sum or in smaller amounts over time, depending on the needs.

People often use equity release to clear an existing mortgage, carry out home improvements, or help family members with deposits for their own properties.

The loan and interest are usually repaid when the homeowner dies or moves permanently into long-term care, and the property is then sold. Providers must follow rules set by the Financial Conduct Authority, and those who are members of the Equity Release Council offer extra safeguards such as the “no negative equity” guarantee. Because releasing equity reduces the value of an estate and may affect benefits, it is essential to take professional advice before proceeding.

The registered office address for Barclays Bank PLC is 1 Churchill Place, London E14 5HP. The trading address for Barclaycard is at 1234 Pavilion Drive, Northampton NN4 7SG.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England. Registered No: 9740322.

Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.

🏦 Direct Subsidiaries of Barclays Bank PLC for Barclays Equity Release

As a wholly‑owned subsidiary of Barclays PLC, Barclays Bank PLC operates alongside numerous entities in the group

Core operating subsidiaries include :

• Barclays Bank UK PLC
• Barclays Execution Services Ltd.
• Barclays Bank Ireland PLC (branch structure)
• Additional branch entities (e.g., Barclays Bank PLC Cayman & New York branches)

📋 Nominee, Trust & Investment Entities (UK & Offshore)

These entities manage securities, investments, and client positions:

• Barclays Capital Nominees Ltd.
• Barclays Capital Nominees (No. 2) Ltd.
• Barclays Capital Nominees (No. 3) Ltd.
• R.C. Greig Nominees Ltd.
• Barsec Nominees Ltd.
• Barclays Capital Securities Client Nominee Ltd.
• Gallen Investments Ltd. (Cayman Islands)
• Barclays Industrial Investments Ltd.
• Barclays Principal Investments Ltd.
• Kirsche Investments Ltd.
• Northwharf Investments Ltd.
• Swan Lane Investments Ltd.
• Eagle Financial & Leasing Services (UK) Ltd.
• Barclays Securities Financing Ltd.
• Barclays Funds Investments Ltd.
• Barclays Investment Management Ltd.

🌍 Regional & Specialist Finance Subsidiaries

Geographic & business-specific arms of Barclays include:

• Barclays Capital Canada, Inc. – serves institutional clients in Toronto
• Barclays Capital (Cayman) Ltd. – Cayman Islands-based investment services
• Barclays Securities Japan Ltd. – Tokyo-based securities brokerage
• Barclays Funds & Advisory Japan Ltd. – investment management in Japan
• Barclays Capital Casa de Bolsa SA de CV – Mexican securities brokerage (Barclays Mexico)

💳 Consumer-facing Brands and Acquisitions

• Tesco Bank – formerly Tesco Personal Finance plc; now wholly owned by Barclays and offers UK credit cards, loans, savings etc.
• The Woolwich – demutualised UK Building Society; acquired by Barclays in 2000
• Kensington Mortgages – acquired by Barclays in March 2023; specialist mortgage lending

📌 Group Structure Overview

Barclays Bank PLC is the banking arm within the Barclays International division. It coexists alongside:

• Barclays Bank UK PLC – ring-fenced retail bank
• Barclays Execution Services Ltd. – shared services
• Various international branch and subsidiary entities

Summary Table

Barclays Lifetime Mortgage Options