Feature of the Week

We’ve Super Charged Affordability

More borrowing power means more opportunities to place applications – we’ve strengthened affordability across our residential mortgage range. 

What’s changed?

• Enhanced income multiples for professionals – Eligible professional clients can now borrow up to 6x income.
• Improved access to higher income multiples on Core Range – We’ve unlocked 5x income from £70,000.
• Updated cost of living assessment – Affordability that reflects real life.
• Lower stress rate on 2-year fixed products – improving affordability and potential loan sizes.

Alongside these affordability enhancements, we’ve also updated our minimum leasehold criteria. Minimum lease now 85 years at application (new build properties require 125 years).

For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.

Happy New Year

Happy New Year! As we move into 2026, we’re looking forward to another year of growth and shared success with our valued intermediary partners, entering new markets and continuing to strengthen both our residential and buy to let ranges.

Reasons to use Metro Bank

• Joint borrower, sole proprietor – Up to four applicants and four incomes considered. Additional borrower(s) can be non-family members and may reside in the property.
• Limited Company Buy to Let – Available up to 80% LTV, with a minimum loan size of £50,000, including Let to Buy applications.
• Adverse credit history – Customers with low credit score, previous defaults, arrears or recently settled IVA’s will be considered.
• Debt consolidation – No debt-to-income ratios applied, and debts being repaid are not double-counted within the new mortgage application.
• Interest only – Available up to 80% LTV, with affordability assessed on an interest only basis. A range of repayment strategies accepted, including sale of subject property.

For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.