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Metro Bank launches 95% LTV residential products & makes significant rate reductions across Buy to Let and Residential ranges

16th January 2024

Metro Bank has launched 95% LTV residential products and made significant rate reductions across its Buy to Let and residential product ranges.


Charles Morley, Director of Mortgage Distribution at Metro Bank comments:

“Affordability is often the biggest barrier to taking that first or next step onto the property ladder. I hope that by introducing these changes today we can help bring homeownership dreams a little closer to reality.”

The changes in detail:


  • Reintroduction of 95% LTV purchase only, starting from 2 year at 5.99% and 5 year at 5.79%
  • Reduced rates:
  • 2 year fixed rates now starting from 4.99% at 80% LTV
  • 5 year fixed rates now starting from 4.79% at 80% LTV

Buy to Let

  • 2 year fixed rates now starting from 3.99% at 65% LTV (5 % fee)
  • 5 year fixed rates now starting from 4.59% at 65% LTV (5 % fee)
  • Removal of 5.5% minimum stress rate requirement on 5 year fixed rate products and all pound-for-pound remortgages and will now stress at pay rate +0.5%. View our Rental Criteria Guide for full details.