Metro Bank is a broker-friendly lender that focuses on speed, flexibility, and real-life lending. They excel at helping clients with non-standard income, such as contractors, limited company directors, and those with multiple income sources. With underwriters who talk to brokers directly, Metro Bank is a standout choice for applicants who need a lender that’s flexible, fast, and responsive.
At Mortgage Knight, we often recommend Metro for cases where speed is essential or where the income structure needs a bit more explanation than the high street allows.
A: Very fast. Metro Bank is known for quick turnarounds. Once documents are in, full mortgage offers are often issued in days, not weeks — perfect for clients on tight timescales.
A: Yes. Metro Bank may accept applicants with only 1 year of trading, especially if you’re in a stable industry and have projections or strong recent income.
A: Metro Bank is very contractor-friendly. They use your day rate to calculate gross annual income, and will accept both Ltd company and umbrella setups.
A: Yes. They often use 100% of regular bonus/commission and a sensible average for less frequent amounts — provided it’s backed by payslips and bank statements.
A: For residential purchases, deposits from 10% (90% LTV) are available. Better rates open up with 15–25% deposits depending on the product.
A: Yes. They offer interest-only and part & part mortgages for clients with suitable repayment strategies — such as investments, sale of property, or pension assets.
A: No, but applying through Mortgage Knight means faster processing, expert packaging, and direct access to Metro’s broker underwriters — improving your approval odds.
If you’re a contractor, business owner, or simply need quick answers without rigid criteria, Metro Bank could be a perfect match. With real people making real decisions, you’re not just a number on a form.
Speak to Mortgage Knight today to get started with Metro — and let’s build a case that works for the way you work.
