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Welcome to 2021 and thank you for your continued support. 2020 saw the start of Metro Bank’s journey to become one of the leading specialist mortgage lenders in the UK. During 2021, we will continue to evolve and build our mortgage range – enabling us to support a wider breadth of mortgage customer. Here [...]

From 7th January we will be changing some of the loan to income (LTI) limits applied within our affordability calculation. We use an affordability model to calculate the maximum loan that is available on an application and LTI limits also apply. The less than £25,000 income tier which has a maximum LTI of 4.49x [...]

We're excited to bring you weekly improvements to our lending criteria throughout January. This details a round up of our general criteria adjustments and make sure you keep an eye on your inbox for the following changes, coming soon: General; Affordability (week commencing 11th); Self-Build  (week commencing 18th); Expat (week commencing 25th); General criteria [...]

Happy New Year from the team at The Right Loan. Following the festive period, some clients may be considering how to get their finances back in shape for the year ahead. A secured loan might be the answer to consolidating debt or simply a way to fund their plans for 2021. We will take [...]

We have decreased the interest rates on our J1, J2, J2.5, Green, J3 and J4 LTV series.J1 - Interest rates are shown without cash facility loading or interest servicing reductionsJ1Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER 0%£0£10,00055+3.07%3.11% 2%£0£10,00055-853.27%3.32% 5%£0£10,00055-853.57%3.63%J2 - Interest rates are shown without cash facility loading or interest servicing reductionsJ2Cash BackSet Up FeeMinimum AdvanceAge RangeInterest [...]

Further to the national lockdown announcement by the UK government on Monday 4 January, our valuation partners have confirmed that they continue to provide valuation services at this time in England, Northern Ireland, Scotland and Wales. However, please be aware that valuations could take longer than usual which could impact the time to mortgage [...]

Barclays has launched two new 90% LTV products as part of a series of enhancements to its residential mortgage range. The new products include two-year fixed rates starting from 3.55% with a £999 fee or 3.75% fee-free, available for purchase only. The two-year fixed rate range will complement the Bank's existing five-year fixed rates [...]

Rate Reductions on our Heritage and Freedom 40 Ranges MER AER New Rates across our Heritage Gilt ERCs Range 3.75% ‐ 4.63% 3.82% ‐ 4.73% New Rates across our Heritage Fixed ERCs Range 3.80% ‐ 4.68% 3.87% ‐ 4.78% New Rates across our Freedom 40 Range 4.05% ‐ 4.73% 4.13% ‐ 4.83% [...]