Metro Bank Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 60% LTV | 5.09% | 2 years | £999 | |
| 2-yr fixed 75% LTV | 5.24% | 2 years | £999 | |
| 2-yr fixed 85% LTV | 5.44% | 2 years | £999 | |
| 2-yr fixed 90% LTV | 5.64% | 2 years | £999 | |
| 5-yr fixed 60% LTV | 3.79%Best | 5 years | £999 | |
| 5-yr fixed 75% LTV | 3.97% | 5 years | £999 | |
| 5-yr fixed 85% LTV | 4.17% | 5 years | £999 | |
| 5-yr fixed 90% LTV | 4.37% | 5 years | £999 | |
| 5-yr fixed 95% LTV | 4.67% | 5 years | £999 | |
| 2-yr tracker 60% LTV | Base+0.84% | 2 years | £999 | |
| Standard Variable Rate | 8.09% | Ongoing | None | - |
Metro Bank Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 2-yr fixed 60% LTV | 5.64% | 2 years | £1,499 | |
| BTL 5-yr fixed 60% LTV | 4.39%Best | 5 years | £1,499 | |
| BTL 5-yr fixed 75% LTV | 4.64% | 5 years | £1,499 |
Metro Bank Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| Metro Bank 2-yr fixed PT (same LTV band) | 5.14% | 2 years | £0 | Cashback available |
| Metro Bank 5-yr fixed PT (same LTV band) | 3.84% | 5 years | £0 | Cashback available |
| Metro Bank PT + borrow more (residential) | 3.91% | 5 years | £595 | Cashback available |
About Metro Bank Mortgages
Metro Bank is a UK high-street challenger bank that has grown rapidly since its 2010 launch, offering a full range of residential and buy-to-let mortgages. Known for their stores with extended opening hours and a strong focus on customer service, Metro Bank takes a more flexible approach to underwriting than many traditional lenders.
Metro Bank suits borrowers who want access to high-street service combined with a more open-minded approach to income and employment. They are particularly good for self-employed applicants, those with multiple income streams, and buyers of properties with slightly non-standard features.