Mortgage rates

Metro Bank mortgage rates today Updated every night.

8 Metro Bank deals for buying a home, from 5.99%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.

Lowest rate: 5.99%
Deals for buying a home: 8
Loan to value: 60% to 95%
Read from its site: 12 Nov 2026

Work out Metro Bank’s deals for your price and deposit

Metro Bank 2 year fixed mortgage rates

Metro Bank’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Metro Bank 2 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.99%	2 Year Fixed Rate£999 fee	4.87%NatWest
75% LTV25% deposit	5.99%	2 Year Fixed Rate£999 fee	5.00%Yorkshire Building Society
85% LTV15% deposit	6.29%	2 Year Fixed Rate£999 fee	5.10%Yorkshire Building Society
90% LTV10% deposit	6.49%	2 Year Fixed Rate

Metro Bank 5 year fixed mortgage rates

Metro Bank’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.

Metro Bank 5 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.99%	5 Year Fixed Rate£999 fee	4.82%Barclays
75% LTV25% deposit	5.99%	5 Year Fixed Rate£999 fee	4.88%Barclays
85% LTV15% deposit	6.29%	5 Year Fixed Rate£999 fee	5.00%Barclays
90% LTV10% deposit	6.49%	5 Year Fixed Rate£999 fee	5.00%Barclays
95% LTV5% deposit	6.79%	5 Year Fixed Rate£999 fee	5.58%Skipton Building Society

Metro Bank mortgage rate changes

Metro Bank has not changed the rates it publishes for buying a home since NewHomeSearch began reading its rates on 8 November 2026. A change shows here the morning after Metro Bank makes it, beside every other lender’s on the mortgage rate news page.

Metro Bank mortgage calculator: what you would pay

The monthly repayment on a £300,000 home over 30 years at Metro Bank’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.

Metro Bank monthly repayments on a £300,000 home by deposit
Deposit	Loan	Rate	Monthly payment
5% deposit£15,000	£285,000	6.79%Metro Bank	£1,856
10% deposit£30,000	£270,000	6.49%Metro Bank	£1,705
15% deposit£45,000	£255,000	6.29%Metro Bank	£1,577
25% deposit£75,000	£225,000	5.99%Metro Bank	£1,348
40% deposit£120,000	£180,000	5.99%Metro Bank	£1,078

Every Metro Bank mortgage deal

All 8 deals Metro Bank publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.

Every Metro Bank mortgage deal for buying a home
Deal	Up to	Rate	Then	Fee
Metro Bank2 Year Fixed Rate · £999 fee	80% LTV	5.99%2-year fixed	7.25%	£999
Metro Bank2 Year Fixed Rate · £999 fee	85% LTV	6.29%2-year fixed	7.25%	£999
Metro Bank2 Year Fixed Rate · £999 fee	90% LTV	6.49%2-year fixed	7.25%	£999
Metro Bank2 Year Fixed Rate · £999 fee	95% LTV	6.79%2-year fixed	7.25%	£999
Metro Bank5 Year Fixed Rate · £999 fee	80% LTV	5.99%5-year fixed	7.25%	£999
Metro Bank5 Year Fixed Rate · £999 fee	85% LTV	6.29%5-year fixed	7.25%	£999
Metro Bank5 Year Fixed Rate · £999 fee	90% LTV	6.49%5-year fixed	7.25%	£999
Metro Bank5 Year Fixed Rate · £999 fee	95% LTV	6.79%5-year fixed	7.25%	£999

Metro Bank mortgage rates: your questions

What are Metro Bank’s mortgage rates today?

Metro Bank’s lowest rate for buying a home today is 5.99%, its 2-year fixed at up to 80% LTV, with a £999 fee. With a 10% deposit its lowest is 6.49% (2-year fixed). With a 5% deposit, 6.79% (2-year fixed). Read from Metro Bank’s own site on 12 November 2026.

Has Metro Bank cut or raised its mortgage rates?

Not since NewHomeSearch began reading its rates on 8 November 2026: the rates Metro Bank publishes for buying a home are unchanged. NewHomeSearch reads them every night and lists any change the morning after.

Every lender’s rate changes

Does Metro Bank offer 95% mortgages?

Yes: Metro Bank publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 6.79%, a 2-year fixed with a £999 fee: about £1,856 a month on a £300,000 home over 30 years.

95% mortgage rates from every lender

What rate does Metro Bank charge after the deal ends?

Most Metro Bank deals move to 7.25% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.

Does Metro Bank charge a mortgage product fee?

Its deals for buying a home carry a £999 product fee.

Does Metro Bank lend on new-build homes?

Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.

New build mortgage rates from every lender

Where do these mortgage rates come from?

From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.

Compare every lender’s rates for your deposit

How we read the rates

From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.

An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.