Our best rates for our best customers

Get our mortgage rates to read at your leisure

Download our PDFs to read when you like - they contain all the ins and outs of our Existing Customer Mortgages.

Residential Mortgage Details - Existing Customers (PDF)(101KB)

Buy to Let Mortgage Details - Existing Customers (PDF)(885KB)

The switching process

Switching your mortgage is simple. No credit checks. No underwriting. You can do it online in around 10 minutes once you’ve found the mortgage that suits you. You can also give us a call or come into a store if you want to discuss your options. You'll get personal service, with one single point of contact through the whole mortgage process.

You can switch your mortgage up to 3 months before your current rate is due to end, for no extra fee.

Making changes

If you want to make changes or need help just give us a call on 0345 08 08 500 or arrange a time for us to call you. We can help you if you want to: 

• Borrow more money on your mortgage
• Move to a new property
• Lengthen or reduce the term of your mortgage
• Transfer equity in your property, for example to a partner or your children
• Change from an interest-only mortgage to paying back capital as well 

Overpayments

When you’re a mortgage customer with Metro Bank with either a Residential or a Buy to Let mortgage you have the option of overpaying on top of your usual monthly payments. By making use of this you could save a considerable amount of interest and may also help you to repay your mortgage earlier.

For our Residential mortgage customers you can overpay by 20% a year and up to 10% for our Buy to Let customers. The amount you can overpay each year without incurring any early repayment charges is determined on the initial amount you borrowed and then subsequently on what your mortgage balance is each time you switch to a new rate.

Remember not to exceed your annual overpayment allowance or you will incur an Early Repayment Charge, details of this are shown in your mortgage offer.

Your Mortgage Terms and Conditions

We need to update our Mortgage Terms and Conditions (T&Cs) to make sure we’re compliant with new regulations. So you know exactly what’s changed and where to find it, we’ve provided a summary below and listed which section of our T&Cs have changed.

Current mortgage terms and conditions (PDF) (1MB)

Mortgage terms and conditions applicable from 25 May (PDF) (479KB)

‘Your data’ (section 23)

The General Data Protection Regulation (GDPR) comes into effect on 25 May 2018 and requires UK and EU organisations to clearly state what they use your personal data for, and what your rights are when it comes to this data and its use.

‘Contacting the Ombudsman’ (section 30)

Previously, customers could only ask the Financial Ombudsman Service to get involved with a complaint either eight weeks after it had been raised or once it was closed. Now, you can do this (in most instances) within 15 calendar days, or 35 calendar days in exceptional circumstances.

Talk to us

If you’ve got any questions about your mortgage options or are having difficulties with paying your mortgage, please call us on 0345 08 08 500.

Download information on all fees

Mortgage Tariff Details (PDF) (138KB) 

Your home may be repossessed if you don't keep up repayments on your mortgage.