Clear Solutions for Debt Consolidation
If you’re supporting customers with higher levels of unsecured borrowing – including loans, credit cards or store cards – Metro Bank can offer a clear and practical approach to debt‑consolidation applications up to 80% LTV.
Perfect for customers dealing with:
- High credit‑card utilisation
- Multiple unsecured commitments
- Recent credit instability
Reasons to use Metro Bank for debt consolidation
- No debt‑to‑income ratio requirements
- We don’t double count repaid debts – Borrowing cleared on completion isn’t included in affordability.
- No maximum on the amount consolidated – For larger consolidation applications, including high credit-card balances, we review recent spending to ensure affordability,
- Same products, same criteria – Debt consolidation sits within our standard range with no separate pricing or products.
- Interest only up to 80% LTV – Affordability assessed on interest-only; sale of property and other repayment strategies accepted.
You’ll need to complete a debt‑consolidation form. Download the form.
For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.
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.