The payment holiday scheme ended on 31 March 2021. Supporting our customers is still our top priority, so we may be able to help in other ways. Click here for more information, or to contact us:
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.
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)(105KB)
Buy to Let Mortgage Details - Existing Customers (PDF)(89KB)
You’ve stayed with us a while, so Residential mortgage customers with loans up to £2m can choose from our best rates with zero fees and 50% off our Buy to Let fees.
Let our mortgage portal do the hard work for you. You can see the best options available for you if you want to switch.
Need to discuss your mortgage options? We’re here to help. Our expert consultants are available 7 days a week, 362 days a year.
You can switch your mortgage within the last three months of your current rate. If you find a rate you would like to switch to, you must select it at least ten days before your current one ends. If you don’t, you will be moved to our Standard Variable Rate for a minimum of one month.
Please note, you will need the following information when switching your mortgage online:
Your home may be repossessed if you don’t keep up repayments on your mortgage.
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.
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)(105KB)
Buy to Let Mortgage Details - Existing Customers (PDF)(89KB)
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 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 within the last three months of your current rate. If you find a rate you would like to switch to, you must select it at least ten days before your current one ends. If you don’t, you will be moved to our Standard Variable Rate for a minimum of one month.
If you want to make changes or need help just give us a call on 0203 427 1435 (Monday to Friday: 9am to 5.30pm) or arrange a time for us to call you. We can help you if you want to:
You can make one-off and regular overpayments at any time in addition to your normal monthly payments.
Making overpayments could save you paying a considerable amount of interest, and may also help you to repay your mortgage earlier.
Each year residential mortgage customers can overpay by up to 20% and Buy to Let customers up to 10% of their original advance. This resets on the anniversary of when your mortgage started.
If you overpay by more than this, early repayment charges are applied - you’ll have all the details about this in your mortgage offer paperwork.
Any payment of less than £500 will be kept as a credit on your mortgage, and will not reduce your mortgage balance, unless it means you have a total credit of £500 or more.
If you make a payment that means you will be £500 or more in credit, we will automatically reduce your mortgage balance. We’ll recalculate your monthly payments in line with your new mortgage balance.
It isn’t possible to under pay your mortgage or to take payment holidays.
Payments must come from a personal account in your name – we can’t accept third party payments or payments from a business account.
You can make an overpayment using any of these options:
Bank Name: Metro Bank PLC
Account Name: Metro Bank PLC – Mortgages
Account Number: 12994907
Sort Code: 230580
Reference: Please use your mortgage account number
If your mortgage account number starts with 42, use these details:
Bank Name: Metro Bank PLC
Account Name: Metro Bank PLC – Mortgages
Account Number: 16012068
Sort Code: 230580
Reference: Please use your mortgage account number
Please use your mortgage account number as the reference.
If you have a question about making overpayments or early repayment charges, call us on 0345 319 1200, Monday to Friday between 8.30am and 6pm.
Mortgage terms and conditions (PDF) (1MB)
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.
Mortgage Tariff Details (PDF) (175KB)
Your home may be repossessed if you don't keep up repayments on your mortgage.
If you're an existing Metro Bank customer with either a Residential or a Buy to Let mortgage with us, and you'd like to know more about the ins and out of your mortgage we have some frequently asked questions that may help.
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.
Just give us a call on 0203 427 1435, Monday - Friday (9am - 5:30pm). Or, if you like, we can call you. Arrange a call back
Let us know, and we’ll figure out the best way to transfer things over. Give us a call on 0203 427 1435, Monday - Friday (9am - 5:30pm). Or, if you like, we can call you. Arrange a call back
Just ask, and we’ll try our best to make it happen. Give us a call on 0203 427 1435, Monday - Friday (9am - 5:30pm). Or, if you like, we can call you. Arrange a call back
A friendly face and a quick answer - and all the usual payment services too. We're open 362 days a year.
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Follow our simple guide to successfully navigating the mortgage lending process.
Our dedicated Mortgages Team will help you choose the right option from a range of Buy-to-Let Mortgages.