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Metro Bank is a UK retail bank founded in 2010. It was the first new high street bank to launch in the UK for over 150 years. Metro Bank offers residential and buy to let mortgages to its customers.

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Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2022 From NatWest
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
UK MARKET LEADING 2 YEAR FIXED RATE. Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2022 From Virgin Money
Initial rate 1.16% Nov-2022
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2022 From Royal Bank Of Scotland
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2025 From NatWest
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2025 From Royal Bank Of Scotland
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.42% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.1% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.47% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.64% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2023 From Virgin Money
Initial rate 1.69% Nov-2023
Maximum LTV 65%
Overall cost of comparison 3.6% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Compare Metro Bank mortgages

Metro Bank offer two main types of mortgages – residential mortgages for home owners and buy to let mortgages for landlords.

They offer three types of repayment plans:

  • Interest only – pay back the interest on your loan monthly and pay off the capital when the mortgage term ends
  • Repament – pay the interest and some of the capital off monthly so the entire mortgage is paid off by the time it ends
  • Part repayment and part interest only – pay the interest and some of the capital each month, but the amount of capital you pay is less, so that you still end up with a lump sum to pay off when the mortgage ends

Homeowner mortgages

Metro Bank offer fixed rate and tracker mortgages to homeowners and prospective homeowners aged 18 or over for properties in England and Wales. One key advantages of their mortgages is that you can pay off up to 20% of the capital every year with no early repayment charges. Overpayments above this limit will incur a charge equal to a percentage of the repaid amount.

Buy to Let mortgages

If you are aged 21 or over, already own your own home and are looking to buy property to rent out in England or Wales, Metro Bank may be able to help. They offer buy to let mortgages for up to 10 rental properties as long as the monthly rental income on the property is equal to at least 125% of the monthly mortgage payments at a rate of 5.5%.

Remortgaging with Metro Bank

As interest rates and other considerations change over time, it can make sense to switch your current mortgage to a new one offering a better deal. This can allow you to pay off your old mortgage and end up with lower monthly repayments. It can also allow you to borrow more to fund home improvements or any other financial requirements you may have.

Loan to value ratio

Metro Bank offer mortgages with up to 85% loan to value (LTV) ratio. What this means is, they are willing to lend up to 85% of the value of a property being borrowed against. So, if you were looking at a house worth £100,000, you would potentially be able to borrow up to £85,000 as a mortgage from Metro Bank.

The available LTV on your mortgage will depend on the type of mortgage (for example, Metro Bank only go up to 70% LTV for interest only mortgages). In general, you will tend to be offered better interest rates on properties with a lower LTV.

Find the best deals on mortgage rates

If you are interested in comparing Metro Bank mortgages against those offered by other top providers, our mortgage calculator can help. Simply head to the top of the page and plug in some basic details about your borrowing needs. The mortgage calculator will then show you the best deals we have selected from across the industry that match your requirements.

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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