Metro Bank raises maximum loan size

January 18, 2026 by Brendan O'Neill

Borrowers

Metro Bank is increasing the maximum sum that it is prepared to lend to borrowers, with this now set to be as much as six times what they are earning.

This change will apply to products within the bank’s main residential mortgage slate, but there are conditions. Only those working in particular high-earning professions will be eligible to borrow six times what they make. Some examples of professions that meet the eligibility requirements are architect, doctor and solicitor. This is not the only change that Metro Bank has announced for that range though.

It is also making a loan available that is worth five times the income of the borrower. Eligibility for a mortgage of that size will be wider, as it will be open to anyone who earns at least £70,000 a year.

Metro Bank has announced a loosening of the stress tests for its fixed two-year mortgages too. This is designed to make them affordable for more borrowers and to open up the possibility of bigger loans.

Charles Morley works for the bank as its mortgage distribution director. He told Mortgage Finance Gazette that it was determined to ensure that its products were giving borrowers what they need. He added that affordability was a major issue for many.

Morley then said:

“This is why we have focused on widening access across our residential range, ensuring that our products continue to resonate with our customers while maintaining our commitment to responsible lending.”

Advisors who have done CeMAP courses will welcome this, as more borrowers are now turning to specialist mortgage lenders.