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Our best rates for our best customers

EXISTING RESIDENTIAL AND BUY TO LET mortgage CUSTOMERS

We make it as easy as possible for you when you need to switch your existing Metro Bank mortgage. We always reward loyalty with our best rates. And we make it simple for you to manage your mortgage account.

Lower switch fees on new deals

You’ve been with us a while, you deserve our best rates along with zero fees for Residential mortgages up to £2m and 50% off our Buy-to-let fees.

Manage your mortgage

Let our mortgage portal do the hard work for you. You can see the best options available for you if you want to switch.

Service that’s personal

Need to discuss your mortgage options? We’re here to help. Our expert consultants are available 7 days a week, 362 days a year.

Switch your mortgage online

  • Find a new mortgage deal to suit your changing needs and switch online. Watch our video on how to switch online
  • Access your mortgage account 24/7.
  • See your current balance and how long until you pay it off.
  • Find out what your property is estimated to be worth.

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

The Nuts and Bolts

We’re up front with our customers about everything. We’ve created this handy summary of our Existing Mortgage Customers key features so you can see the important information from the get-go.

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)

Our Service Relationship with Personal Customers (PDF)(1.2MB)


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 

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.

Speak to one of our mortgage advisors

Arrange a call back

Visit a store

Give us a ring

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FAQs

  • How long will it take me to switch rates?

    It will take around 10 minutes once you've made up your mind about what you want to switch to, provided you are eligible. With the mortgage portal, you can quickly find the option that you think best suits your personal circumstances and switch online.

  • How do I make other changes to my mortgage like adding or removing someone from the account?

    Just give us a call on 0345 08 08 500. Or, if you like, we can call you. Arrange a call back

  • What if I’m moving house?

    Let us know, and we’ll figure out the best way to transfer things over. Give us a call on 0345 08 08 500. Or, if you like, we can call you. Arrange a call back

  • How do I borrow more money on my existing mortgage?

    Just ask, and we’ll try our best to make it happen. Give us a call on 0345 08 08 500. Or, if you like, we can call you. Arrange a call back

Your ways to bank

In-store

A friendly face and a quick answer. And all the usual payment services too. We're open 362 days a year.

Mobile

Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.

Online

Metro Bank 24/7. Check balances, make payments, see transactions and open new accounts any time - all with internet banking.

Telephone

If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year.

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How we can help

The mortgage process

Follow our simple guide to successfully navigating the mortgage lending process.

BORROWING FROM US

Portfolio Buy-to-Let Mortgages

Our dedicated Property Team will help you choose the right option from a range of Fixed and Tracker Buy-to-Let Mortgages.