Who are we?

Whether your customers are first-time buyers or experienced landlords, it’s important to find the right products that come with individual support. We’ve designed our mortgages to be practical, flexible and easy to understand, and our specialist team is on hand to help – so expert advice is right there when it’s needed.

Lending available in England, Wales and Scotland (Scottish postcodes do not cover – HS, KW or ZE) subject to a minimum purchase price/valuation of £75,000.

What we do

Residential

• Maximum 95% LTV -– houses and flats (90% LTV for including new build)
• Customers with a less than perfect credit profile – subject to full assessment and a credit score pass
• Enhance income multiples for high earners and professionals
• Joint borrower, sole proprietor
• Up to four applicants, all incomes considered
• Continued support for self-employed – there will be a requirement to demonstrate the sustainability and profit of the business
• 60% Bonus/commission/overtime
• Maximum age 80 considered – term based on the oldest applicants age
• Contractors – will consider any profession not just IT workers
• Second homes maximum LTV up to 85% considered

Buy to Let

• Maximum 75% for new customers, 80% LTV for existing
• Top slicing from earned income to support buy to let applications
• Maximum age 85 (mortgage term based on the oldest applicant)
• Limited Company Buy to Let accepted

*Products from Metro Bank can be accessed by using Next Intelligence as your payment route.