Metro Bank Mortgages
Competitive mortgage lending from the UK's leading challenger bank. Residential and buy-to-let products with modern processing, flexible criteria, and high street accessibility.
Modern banking, competitive mortgages
Metro Bank launched in 2010 as the first new high street bank in the UK for over 100 years. Their approach to mortgage lending combines the reassurance of a regulated high street bank with the agility and customer focus of a challenger brand.
Through Doulton Bridging Finance, you can access Metro Bank's full mortgage range with expert broker guidance. Whether you are a first-time buyer, home mover, or property investor, we ensure you benefit from their competitive rates and efficient processing.
Expert access to Metro Bank lending
High Street Challenger Bank
Metro Bank brought a fresh approach to UK banking when it launched in 2010 as the first new high street bank in over a century. Their mortgage products reflect that innovative, customer-first ethos.
Residential Mortgages
A comprehensive range of residential products for purchases and remortgages, with competitive rates across a range of LTV bands and both fixed and tracker rate options.
Buy-to-Let Products
Metro Bank offers buy-to-let mortgages for individual and limited company landlords, with straightforward criteria and competitive pricing for standard investment properties.
Self-Employed Lending
Metro Bank takes a considered approach to self-employed income, with the ability to assess various income structures and business types beyond basic PAYE employment.
Faster Processing
Metro Bank's modern systems and streamlined processes deliver faster application processing and quicker decisions compared to many traditional high street banks.
Professional Landlord Range
Dedicated products for professional landlords managing larger portfolios, with sensible assessment criteria and competitive rates for experienced property investors.
How it works
Needs Assessment
We discuss your property plans and financial situation to determine whether Metro Bank's competitive products and flexible approach are the right match for you.
Rate Comparison
We compare Metro Bank's rates against our full lender panel to confirm they offer the best deal for your specific circumstances, deposit level, and property type.
Application Submission
We prepare and submit your application with all required documentation, managing the process through Metro Bank's underwriting and valuation stages.
Completion
We coordinate with Metro Bank and your solicitor to bring your mortgage to completion efficiently, keeping you informed throughout the final stages.
Explore Metro Bank mortgage rates
Competitive rates from the UK's leading challenger bank. Let our team find the best Metro Bank product for your property plans.
Frequently asked questions
Can I get a Metro Bank mortgage through Doulton?
Yes. We hold broker agencies with Metro Bank where available and can access their intermediary product range. Where Metro Bank is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to Metro Bank via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Metro Bank cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Metro Bank offer?
Metro Bank's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Metro Bank can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
Explore related pages
Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.
Mortgages
The full Doulton mortgage range, from buy-to-let to high value residential.
Learn moreBM Solutions Mortgages
BM Solutions mortgage rates and products, accessed via broker-exclusive channels.
Learn moreGEN H Mortgages
GEN H mortgage rates and products, accessed via broker-exclusive channels.
Learn moreLivemore Mortgages
Livemore mortgage rates and products, accessed via broker-exclusive channels.
Learn morePerenna Mortgages
Perenna mortgage rates and products, accessed via broker-exclusive channels.
Learn moreTipton AND Coseley Mortgages
Tipton AND Coseley mortgage rates and products, accessed via broker-exclusive channels.
Learn more