Metro Bank Mortgage 2025: New Criteria Explained - Deal Direct
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    Metro Bank Rolls Out New Criteria Enhancements for 2025

    Metro Bank has announced a series of lending criteria enhancements designed to expand access and flexibility for UK borrowers. These updates include support for studio flats and properties with leased solar panels, as well as more accommodating policies for skilled worker and family VISA applicants. Along with these changes for their 2025 plans, Metro Bank has also reduced its Standard Variable Rates (SVR) for both residential and buy-to-let mortgages, making its products more attractive in a competitive market.

    Latest Metro Bank Mortgage Rate Updates

    • Standard Variable Rate (SVR) for Residential Mortgages: Reduced to 7.50%
    • Standard Variable Rate (SVR) for Buy to Let Mortgages: Reduced to 8.00%

    These reductions take effect from 11 September 2025 and reflect Metro Bank’s ongoing mission to deliver accessible mortgage solutions for all borrower types. While fixed and tracker rates are regularly updated, the SVR reduction may offer more flexibility for those seeking variable-rate options or considering future remortgaging strategies.

    Key Criteria & Lending Policy Enhancements

    • Studio Flats for Buy to Let: Now accepted subject to existing policy, supporting more investors exploring high-demand urban property segments.
    • Leased Solar Panels: Properties featuring leased solar panels are now eligible, provided:
      • The solar panel provider appears on the MCS accreditation register.
      • The provider is a member of the Code of Practice for the Renewable Energy Sector.
      • The provider has signed the UK Finance template letter.
    • Skilled Worker & Family VISA Applicants:
      • No minimum salary requirement for skilled worker or family VISA mortgage applicants.
      • All repayment methods permitted (not just capital repayment).
      • Family VISA applicants accepted, provided at least one co-applicant is a British citizen or holds settled status in the UK.

    Borrower Scenarios Who Benefit Most

    • Buy-to-let landlords targeting studio flats or properties fitted with sustainable technology.
    • Homeowners and first-time buyers wishing to remortgage or switch to a more flexible lender with Metro Bank.
    • Skilled professionals or families relocating to the UK—particularly those without significant UK credit or high minimum incomes.

    Why Choose Metro Bank for Your Mortgage?

    • Flexible Lending: Inclusive criteria for a variety of property types and borrower backgrounds.
    • Promoting Sustainability: Acceptance of leased solar panels supports eco-friendly and future-proof homes.
    • Support for Newcomers: No minimum salary bar for VISA holders removes barriers for international professionals and families.
    • Competitive SVRs: Reduced variable rates for both residential and buy-to-let mortgages provides potentially lower monthly costs and improved affordability.

    Take the Next Step: Expert Mortgage Advice for Metro Bank Products

    Whether you’re a landlord, first-time buyer, looking to remortgage, or new to the UK property market, our team of expert mortgage advisers can help you navigate Metro Bank’s latest criteria and secure the most suitable mortgage solution in 2025. Contact us today for bespoke advice and the latest best buy rates.

    FAQs: Metro Bank Mortgage Enhancements – 2025

    • Who qualifies for Metro Bank’s studio flat Buy-to-Let mortgages?Metro Bank accepts studio flats for buy-to-let purposes if they fit existing owner-occupied property policy. Investors looking at compact units in city centres can now benefit.
    • Does Metro Bank accept properties with leased solar panels?Yes, provided the solar panel provider is MCS accredited, a member of the Renewable Energy Sector Code of Practice, and has signed the UK Finance template letter.
    • Can skilled worker or family VISA applicants secure a Metro Bank mortgage without a minimum salary?Yes, skilled worker and family VISA applicants face no minimum salary threshold, increasing access for newcomers and families joining settled UK residents.
    • How do the new SVR changes impact my potential repayments?A lower SVR means reduced interest, translating to potentially lower monthly mortgage repayments for variable-rate customers (subject to your loan amount).
    • How can I apply or check my eligibility for a Metro Bank mortgage?Speak with our mortgage team for a personal assessment or visit the official Metro Bank lending criteria guide for more details.

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    Written by

    Hayley Rye | Mortgage Advisor

    About the Author: Hayley has worked in the mortgage industry since 2000, starting out as a mortgage processor before qualifying as a CeMAP-certified adviser in 2017. She has been part of the DDFS team since 2013 and specialises in remortgages, secured loans, and complex cases. With over two decades of experience, Hayley offers practical, knowledgeable support tailored to each client’s needs.

    experience a 5 star customer service