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Our best rates for our best 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 stayed with us a while, so Residential mortgage customers with loans up to £2m can choose from our best rate with zero fees 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)

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 


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.

Helpful Information and Contact Details

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. 

Speak to one of our mortgage advisors

Arrange a call back

Visit a store

Give us a ring

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  • 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


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


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


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


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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