Switch your mortgage online
Homes for Ukraine scheme
The UK government launched the ‘Homes for Ukraine’ scheme on 14 March 2022. The British public are being asked to open their spare rooms and vacant properties to those fleeing the war in Ukraine.
Metro Bank supports Homes for Ukraine, and you can find more details about the scheme and your Metro Bank mortgage here.
Mortgage payment support
We understand it can be difficult to know who to talk to if you’re worried about making your mortgage payments. Supporting our customers is our top priority. Click here for more information about the help that’s available.
Ways to get in touch
Call our Mortgage Servicing team on 0345 319 1200.
Our opening hours are 8.30am to 6pm Monday to Friday.
Complete this form and one of our specialists will give you a call. We aim to call within seven days.
Send us an email to mortgageservicing@metrobank.plc.uk – we will reply as soon as possible. Please provide your eight-digit mortgage account number, which starts with a 4 and can be found on any letter you have received from us about your mortgage.
Write to us at Mortgage Admin team, Metro Bank Plc, PO Box 1130, Uxbridge UB8 9XX.
Existing residential and buy-to-let mortgage customers
We make it easy to switch your existing Metro Bank mortgage, and set you up with a mortgage account that’s easy to manage.
Your home may be repossessed if you don’t keep up repayments on your mortgage.
Get our mortgage rates to read at your leisure
Download our PDFs to read when you like - they contain all the ins and outs of our Existing Customer Mortgages.
Residential Mortgage Details - Existing Customers (PDF)(105KB)
Buy to Let Mortgage Details - Existing Customers (PDF)(89KB)
Manage your mortgage
Let our mortgage portal do the hard work for you. You can see the best options available for you if you want to switch.
Service that’s personal
Consultants available:
Mon, Tues, Wed, Fri: 9am-5pm
Thurs: 10am-5pm.
Switch your mortgage online
- Find a new mortgage rate and switch online
- Access your mortgage account 24/7
- See your current balance and how long until you pay it off
- Find out what your property is estimated to be worth.
If you are not sure about choosing a new product and need advice, or are worried about any aspect of your mortgage, we’re here to help, please contact us on 0203 427 1435.
You can switch your mortgage within the last three months of your current rate. If you find a rate you would like to switch to, you must select it at least ten working days before your current one ends. If you don’t, you will be moved to our Standard Variable Rate for a minimum of one month.
Please note, you will need the following information when switching your mortgage online:
- Surname
- Account number (starts with a 4)
- DOB (DD/MM/YYYY)
- Mortgaged property postcode (must be typed as the full postcode in capital letters with a clear space of one character between the two parts of the postcode - e.g. AB1 2CD)
Speak to us about your mortgage
The Nuts and Bolts
We’re up front with our customers about everything. We’ve created this handy summary of our Existing Mortgage Customers key features so you can see the important information from the get-go.
Get our mortgage rates to read at your leisure
Download our PDFs to read when you like - they contain all the ins and outs of our Existing Customer Mortgages.
Residential Mortgage Details - Existing Customers (PDF)(105KB)
Buy to Let Mortgage Details - Existing Customers (PDF)(89KB)
The switching process
Switching your mortgage is simple. No credit checks. No underwriting. You can do it online in around 10 minutes once you’ve found the mortgage that suits you. You can also give us a call if you want to discuss your options. You'll get personal service, with one single point of contact through the whole mortgage process.
You can switch your mortgage within the last three months of your current rate. If you find a rate you would like to switch to, you must select it at least ten days before your current one ends. If you don’t, you will be moved to our Standard Variable Rate for a minimum of one month.
Making changes
If you want to make changes or need help just give us a call on 0203 427 1435 (Monday to Wednesday and Friday from 9am to 5pm, and Thursday 10am to 5pm) or arrange a time for us to call you. We can help you if you want to:
- Borrow more money on your mortgage
- Move to a new property
- Lengthen or reduce the term of your mortgage
- Transfer equity in your property, for example to a partner or your children
- Change from an interest-only mortgage to paying back capital as well
Overpayments
You can make one-off and regular overpayments at any time in addition to your normal monthly payments.
Making overpayments could save you paying a considerable amount of interest, and may also help you to repay your mortgage earlier.
How much can I overpay by?
Each year residential mortgage customers can overpay by up to 20% and Buy to Let customers up to 10% of their original advance. This resets on the anniversary of when your mortgage started.
If you overpay by more than this, early repayment charges are applied - you’ll have all the details about this in your mortgage offer paperwork.
What happens when I make an overpayment?
Any payment of less than £500 will be kept as a credit on your mortgage, and will not reduce your mortgage balance, unless it means you have a total credit of £500 or more.
If you make a payment that means you will be £500 or more in credit, we will automatically reduce your mortgage balance. We’ll recalculate your monthly payments in line with your new mortgage balance.
It isn’t possible to under pay your mortgage or to take payment holidays.
How to make overpayments on your mortgage
Payments must come from a personal account in your name – we can’t accept third party payments or payments from a business account.
You can make an overpayment using any of these options:
- Using your Debit Card
You can make a payment up to £5,000 by debit card. To do this, please get in touch with us on the number below. - Transferring money from your Metro Bank Current Account
You can transfer money from your Current Account directly to your mortgage account. To do this, please get in touch with us on the number below. - Transferring money from an account with a different bank
You can pay directly into your mortgage account using these account details:
Bank Name: Metro Bank PLC
Account Name: Metro Bank PLC – Mortgages
Account Number: 12994907
Sort Code: 230580
Reference: Please use your mortgage account number
If your mortgage account number starts with 42, use these details:
Bank Name: Metro Bank PLC
Account Name: Metro Bank PLC – Mortgages
Account Number: 16012068
Sort Code: 230580
Reference: Please use your mortgage account number
- Standing order - If you would like to make regular overpayments, you can set up a standing order from your current account using the account details above.
Please use your mortgage account number as the reference.
- Transferring money from an account with a different bank - You can also make regular overpayments by Direct Debit. To set this up, please get in touch with us on
How do I get in touch with you to discuss my mortgage?
If you have a question about making overpayments or early repayment charges, call us on 0345 319 1200, Monday to Friday between 8.30am and 6pm.
Your Mortgage Terms and Conditions
Mortgage terms and conditions (PDF) (1MB)
Talk to us
If you’ve got any questions about your mortgage options or are having difficulties with paying your mortgage, please call us on 0345 08 08 500.
Download information on all fees
Mortgage Tariff Details (PDF) (175KB)
Your home may be repossessed if you don't keep up repayments on your mortgage.
Mortgage FAQs and contact details
If you're an existing Metro Bank customer with either a Residential or a Buy to Let mortgage with us, and you'd like to know more about the ins and out of your mortgage we have some frequently asked questions that may help.
Take a later life mortgage
This is a way of releasing money from your home without having to move. The money released will be in the form of a loan secured against your home and must be used to repay your existing mortgage balance with us. We don’t provide later life mortgages; however, we have partnered with Legal & General for them to provide the option to offer their later life mortgage products to our customers. More information can be found (hyperlink) or please contact us for more information. This only applies if you have a residential mortgage.
Later life mortgages
We’ve partnered with Legal & General to offer you lifetime and retirement interest only mortgages.
Designed for customers aged 55 or over, a later life mortgage lets you borrow money based on the value of your home, as a loan secured against it, while you continue to live there. The loan is usually repaid when the last surviving borrower dies or moves out of the home into long-term care.
- With a lifetime mortgage you are able to decide whether you’d like to pay all, some or none of the interest each month.
- With a retirement interest only mortgage you must pay the interest in full each month. As a last resort, your home may be repossessed if you do not keep up with your payments.
There’s lots to consider so it’s important to receive financial advice to help you make the right decision. There may be cheaper ways to borrow money. Legal & General has its own team of specialist later life mortgage advisers, to help you find the right option for you. If you speak to one of their advisers, there’s no obligation to proceed.
Learn more about later life mortgages with Legal & General or call us to discuss Legal & General later life mortgages on 0345 319 1200.
FAQs
How long will it take me to switch rates?
It will take around 10 minutes once you've made up your mind about what you want to switch to, provided you are eligible. With the mortgage portal, you can quickly find the option that you think best suits your personal circumstances and switch online.
How do I make other changes to my mortgage like adding or removing someone from the account?
Just give us a call on 0203 427 1435, Mondays to Wednesdays and Fridays, 9am to 5pm, Thursdays 10am to 5pm. Or, if you like, we can call you. Arrange a call back
What if I’m moving house?
Let us know, and we’ll figure out the best way to transfer things over. Give us a call on 0203 427 1435, Mondays to Wednesdays and Fridays, 9am to 5pm, Thursdays 10am to 5pm. Or, if you like, we can call you. Arrange a call back
How do I borrow more money on my existing mortgage?
Just ask, and we’ll try our best to make it happen. Give us a call on 0203 427 1435, Mondays to Wednesdays and Fridays, 9am to 5pm, Thursdays 10am to 5pm. Or, if you like, we can call you. Arrange a call back
Some more things you may like...
How we can help
The mortgage process
Follow our simple guide to successfully navigating the mortgage lending process.
Borrowing from us
Buy-to-Let Mortgages
Our dedicated Mortgages Team will help you choose the right option from a range of Buy-to-Let Mortgages.