If your customer has a low credit score, past defaults, arrears or a recently settled IVA, our Core and Near Prime Ranges – all designed to help you support more customers.
Download our Less than Perfect Credit Profile flyer to see exactly how we assess near prime residential applications and where your customers can fit.
Core & Near Prime Range highlights
- Settled IVAs accepted day 1 on receipt of the completion certificate — no waiting period (Near Prime only)
- Broad criteria for CCJs and Defaults
- Utility and Communication Defaults ignored
- No cap on Unsecured Arrears if clear in the last 3 months
- Capital raising, including debt consolidation
All applications are subject to application score card and underwriting assessment.
For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.
In other news….
With effect from today, Thursday 22 January 2026, our Standard Variable Rate will be 7.25% for Residential and 7.75% for Buy to Let mortgages.
Got a case to discuss?
Get in touch with your local BDM; they would love to hear from you. Find your BDM here. Or call our Broker helpdesk on 020 3427 1019. Metro Bank won’t charge you for your calls, however you may be charged by your service provider.
Your customers home may be repossessed if they do not keep up repayments on their mortgage. Lending is subject to meeting Metro Bank’s eligibility criteria.