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Core Mortgage Range

We get to know your most individual customers and we underwrite mortgages that are as individual as they.

For loans above £1m, please refer to our Large Loan Range.

Why choose Metro Bank?

  • Maximum 95% LTV for residential – houses and flats (including new build up to 90%)
  • Joint borrower, sole proprietor – only where the additional borrower(s) is an immediate family relative
  • Up to four applicants on the mortgage, all four incomes considered
  • Maximum age 80 considered – term based on the oldest applicants age
  • Enhanced income multiples between 5 and 5.5 for applications where the total income exceeds £70,000 (multiple depends on number of applicants and total income levels)
  • A less than perfect credit profile – subject to full assessment and a credit score pass
  • Continued support for self-employed –there will be a requirement to demonstrate the sustainability and profit of the business
  • 60% Bonus/commission/overtime used from the last year
  • Contractors – will consider any profession not just IT workers
  • Second homes maximum LTV up to 85% considered
  • Repayment mortgages

More information

Download our PDF to read when you like - it contains all the details of our Residential Mortgage products.