If your customer has a low credit score, past defaults, arrears or a recently settled IVA, our Residential and Buy to Let Ranges are designed to help you support more customers with credit challenges.

Download our Less than Perfect Credit Profile flyer to see exactly how we assess applications and where your customers can fit.

Highlights

 Settled IVAs accepted day 1 on receipt of the completion certificate — no waiting period (Near Prime only)

• Broad criteria for CCJs and Defaults
• No limit on Utility and Communication Defaults
• No cap on Unsecured Arrears if clear in the last 3 months
• Capital raising, including debt consolidation
• Multiple repayment options available – interest only and P&P
• Support for buy to let customers with less than perfect credit – find out more

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.

Contact us

Not sure whether an application fits our criteria? Have a chat with your local BDM. They’ll be happy to talk through your case and answer any questions before you submit an application.

Find your local BDM or call our Broker Helpdesk on 020 3427 1019. Metro Bank won’t charge you for the call, although charges from your service provider may apply.