Feature of the Week

Clear Solutions for Debt Consolidation

If you're supporting customers with higher levels of unsecured borrowing - including loans, credit cards or store cards - Metro Bank can offer a clear and practical approach to debt‑consolidation applications up to 80% LTV.

Perfect for customers dealing with:

• High credit‑card utilisation
• Multiple unsecured commitments
• Recent credit instability

Reasons to use Metro Bank for debt consolidation 

• No debt‑to‑income ratio requirements
• We don’t double count repaid debts – Borrowing cleared on completion isn’t included in affordability.
• No maximum on the amount consolidated - For larger consolidation applications, including high credit-card balances, we review recent spending to ensure affordability,
• Same products, same criteria - Debt consolidation sits within our standard range with no separate pricing or products.
• Interest only up to 80% LTV – Affordability assessed on interest-only; sale of property and other repayment strategies accepted.

You’ll need to complete a debt‑consolidation form. Download the form.

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

A high-street solution for customers with adverse history

If your customer has a low credit score, past defaults, arrears or a recently settled IVA, our Core and Near Prime Ranges – all designed to help you support more customers.

Download our Less than Perfect Credit Profile flyer to see exactly how we assess near prime residential applications and where your customers can fit.

Core & Near Prime Range highlights 

• Settled IVAs accepted day 1 on receipt of the completion certificate — no waiting period (Near Prime only)
• Broad criteria for CCJs and Defaults
• Utility and Communication Defaults ignored
• No cap on Unsecured Arrears if clear in the last 3 months
• Capital raising, including debt consolidation

All applications are subject to application score card and underwriting assessment.

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

In other news….

With effect from today, Thursday 22 January 2026, our Standard Variable Rate will be 7.25% for Residential and 7.75% for Buy to Let mortgages.