Get Expert Support for Metro Bank Mortgages
Specialist Support for Metro Bank Mortgages
Metro Bank is a UK-based lender offering residential and buy-to-let mortgages with a focus on flexible lending and personalised service. Known for accommodating self-employed applicants and those with complex income, Metro Bank provides competitive rates and broker-exclusive deals. At Mortgage‑Tek, we connect you to Metro Bank’s best mortgage options and guide you through every step of the process.
We work with more than 120 mortgage lenders, including
Why
Why Metro Bank Mortgage Is a Great Option
Why Metro Bank Mortgage Could Be the Right Fit for You
Metro Bank mortgages are ideal for borrowers who may not meet standard lending criteria. Self-employed individuals, contractors, and those with non-traditional income benefit from Metro Bank’s manual underwriting, where real underwriters assess applications rather than automated systems.
They offer competitive rates across residential, buy-to-let, and remortgage products. Many Metro Bank deals are only available via brokers, and Mortgage‑Tek ensures you access these with full guidance and support.
Criteria of Metro Bank Mortgage
Who Can Apply for a Metro Bank Mortgage?
Age Criteria
Applicants must be at least 18, with maximum age at mortgage term end generally between 70–75 years.
Residency Status
UK residency with verifiable address history is required to meet Metro Bank’s underwriting and compliance standards.
Residential Income
No strict minimum income; affordability checks confirm applicants can reliably meet monthly mortgage repayment obligations.
Buy-to-Let Income
Minimum income usually around £25,000; rental income must satisfy Metro Bank’s ICR, typically 125–145% of mortgage interest.
Self-Employment History
Self-employed applicants require at least 12 months trading history with supporting SA302s, tax returns, or full accounts.
Contractor Criteria
Contractors must provide a current contract and evidence of day-rate income; some zero-hour contracts may be considered.
Credit Profile
Clean credit history is preferred; minor issues may be accepted case by case; serious adverse credit affects eligibility.
Property Standards
Properties must meet Metro Bank’s valuation and acceptable construction standards to qualify for mortgage approval.
Affordability Checks
Applicants must pass Metro Bank’s stress and affordability tests to ensure repayments remain manageable if interest rates rise.
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Benefits of Securing Metro Bank Mortgage
Why Choose a Mortgage from Metro Bank Mortgage?
Metro Bank provides competitive, flexible mortgage solutions and personalised service for a variety of borrower types.
Flexible Lending Criteria
Accepts applicants with non-traditional income, including self-employed, contractors, and freelancers.
Manual Underwriting
Real underwriters assess applications, improving approval chances for unique circumstances.
Competitive Interest Rates
Offers fixed, tracker, and broker-exclusive deals often better than high street options.
Buy-to-Let Friendly
Supports individual and limited company landlords, including portfolio investors and first-time landlords.
Support for Product Transfers
Existing customers can switch products without a full remortgage.
Backed by Metro Bank
As a trusted UK lender, Metro Bank provides reliability, security, and long-term support.
Partnering with Metro Bank Mortgage
Our Role in Securing Your Metro Bank Mortgage
At Mortgage‑Tek, we work closely with Metro Bank to help you access the right mortgage product stress-free. As authorised brokers, we understand Metro Bank’s lending criteria, products, and underwriting process. From initial consultation to final approval, we manage the process, compare options, prepare your application, and liaise directly with Metro Bank. Our support helps you save time, avoid mistakes, and improve your chances of securing the right deal.
Compare & Find the Right Mortgage For You
Compare Metro Bank Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Metro Bank mortgages with top UK lenders to see how their flexible criteria and competitive rates compare. Whether self-employed, a contractor, or a landlord, we help you find the best deal.
Mortgage Quote
Get a personalised Metro Bank quote through Mortgage‑Tek. We assess your situation and provide clear guidance on the most suitable product with no pressure.
BORROW
Curious About How Much You Can Borrow?
 Use our calculator to estimate your borrowing potential based on income and expenses. Whether buying your first home or investing in property, it’s a helpful first step before speaking with an expert. No credit checks, instant results.
Your Estimated Borrowing Amount
Let’s Connect
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FAQ’s
Can I apply directly with Metro Bank Mortgages?
Some deals are available via authorised brokers only. Direct applications are not accepted for broker-exclusive products.
Does Metro Bank accept self-employed or contractor applicants?
 Yes. Applicants need at least 12 months of income history with supporting documents such as SA302s or tax returns.
What is the minimum deposit required for a Metro Bank mortgage?
Residential mortgages typically require a 5% deposit (95% LTV). Buy-to-let usually requires 20–25%, depending on the property and circumstances.
Can limited company landlords apply for buy-to-let mortgages with Metro Bank?
Yes. Metro Bank supports individual and limited company landlords, though additional documentation such as company accounts may be required.
How long does it take to get a mortgage offer from Metro Bank?
 Once all documents are submitted, Metro Bank generally issues a mortgage offer within 10–15 working days, depending on complexity and valuation timelines.
What credit score do I need to qualify with Metro Bank?
No published score exists. Clean credit history improves approval chances, and minor credit issues may be considered case by case.
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