Your Metro Bank mortgage rate is coming to an end and that means you have a choice to make. You can accept whatever deal Metro Bank puts in front of you, or you can use an FCA-regulated broker to compare your options, secure the most competitive rate available, and earn cashback in the process. At Rate Switch Rewards, we handle the entire Metro Bank product transfer on your behalf at no cost to you.
What Is a Metro Bank Product Transfer?
A product transfer is when you move from one mortgage deal to another with your existing lender, Metro Bank, without changing the loan amount or the lender itself. There is no need to reapply for a mortgage, and in most cases the process takes less than 15 minutes. It is one of the most effective ways for existing Metro Bank customers to reduce their monthly payments when their current fixed or tracker rate expires.
Key Things to Know About Metro Bank Product Transfers
- You can arrange your Metro Bank rate switch up to three months before your current deal expires. Metro bank allows customers to arrange a product transfer up to three months before their existing rate expires.
- There are no legal fees, no valuation fees, and no arrangement costs you have to pay upfront, though some rate products carry optional product fees which can be added to the mortgage balance
- Metro Bank offers a range of fixed-rate and tracker products for existing customers, covering residential and buy-to-let mortgages
- Metro Bank does not rerun your credit assessment for a standard product transfer. Provided your account is up to date, the switch should proceed smoothly.
- Metro Bank is a relatively young UK high street bank known for its customer-focused approach and extended opening hours. Their mortgage range covers residential and buy-to-let products, and they have a growing presence in the product transfer market.
Calculate Your Rate Switch Cashback Reward
Use our cashback calculator below to see exactly how much you could earn by switching your Metro Bank rate through Rate Switch Rewards. The reward is paid directly to your bank account once your new mortgage completes.
How Long Does a Metro Bank Product Transfer Take?
In most cases, a straightforward Metro Bank product transfer can be completed the same day. Once we access your account details, we identify the available product options, email them to you for review, and submit the application once you have chosen your preferred rate. A mortgage offer is typically issued immediately.
If your transfer involves additional borrowing, a change to your mortgage term, or a switch to interest-only repayment, extra checks may be needed. We will let you know at the outset whether any of those factors apply to your case.
Can I Borrow Extra Money with a Metro Bank Product Transfer?
Yes — Metro Bank allows existing mortgage customers to apply for additional borrowing. This is considered alongside the product transfer application where possible.
Why Switch Through Rate Switch Rewards Rather Than Direct?
Many borrowers go directly to their lender when their rate expires. The problem is that Metro Bank has no obligation to offer you the most competitive deal available. As a whole-of-market broker, we compare Metro Bank’s product transfer rates against every available option. If staying with Metro Bank is your best move, we will confirm that with the numbers to back it up.
There is another risk in going direct. If you accept a rate today and rates fall before your new deal starts, you could end up paying more than necessary. We monitor rates on your behalf and will cancel and replace your accepted rate with a lower one if one becomes available before completion. That is something you simply cannot get by dealing with Metro Bank directly.
Benefits of Completing Your Metro Bank Product Transfer Through Us
- Whole-of-market comparison — we check Metro Bank’s rates against all available deals on the market
- Cashback paid directly to your bank account once the mortgage completes
- Rate monitoring — if rates drop after you accept a deal, we switch you to the lower one automatically
- No credit check required for a standard product transfer
- FCA-regulated advice — we are an Appointed Representative of Rosemount Financial Solutions IFA Ltd, FCA ref 535515
- Free service — we are paid by the lender, not by you
The Metro Bank Product Transfer Process Step by Step
- Share your details with us: Your Metro Bank mortgage account number is on your mortgage statements and any letters from Metro Bank. We use this to access your current mortgage account and review the available product options.
- Receive your quotes: We will email you a clear comparison of the rates Metro Bank is offering, alongside any better deals available on the wider market, so you can make a genuinely informed decision.
- Choose your rate: Once you have decided which product suits you best, simply let us know and we will submit the application on your behalf.
- We monitor your rate: After acceptance, we watch the market. If a lower rate becomes available before your new deal starts, we cancel the existing acceptance and secure the better rate for you.
- Cashback paid to you: Once your new Metro Bank mortgage completes and we receive our adviser fee from the lender, we pay your cashback directly into your bank account.
How Can Rate Switch Rewards Help with Your Metro Bank Product Transfer?
We are a team of FCA-regulated mortgage advisers specialising in product transfers and rate switches. We work with over 30 lenders including Metro Bank, and we use specialist software to compare products on a like-for-like basis, taking into account not just the headline rate but also arrangement fees, early repayment charges, and term length.
If you are unsure whether a product transfer is the right move, or whether remortgaging to a new lender would save you more, we will give you an honest answer. Our job is to find you the best deal.
What to Check Before You Accept Metro Bank’s Product Transfer Offer
Metro Bank will usually write to you a few months before your current deal ends with a product transfer offer. It can be tempting to accept the first email and move on, but a few checks first can make sure you are not leaving anything on the table, especially given how much rates and terms can shift over the life of a mortgage.
Reviewing the Product Range Available to You
Metro Bank typically offers existing customers a shortlist of fixed and tracker products rather than its full new-customer range. It is worth asking what the complete list of options actually looks like for your mortgage, including different term lengths and repayment structures, rather than assuming the first product shown to you is the only one on offer.
Comparing Against the Wider Market
Because a product transfer only shows you Metro Bank’s own products, it will not tell you how those products compare with what other lenders are offering for a similar mortgage. Checking the wider market before you accept means you can confirm whether staying with Metro Bank is genuinely your best route, or whether a remortgage elsewhere is worth the extra application work and time involved.
What Happens If You Don’t Act Before Your Deal Ends
If you do not arrange a new deal before your current one expires, Metro Bank will usually move you onto its standard variable rate, which is generally less competitive than a fixed or tracker product. Arranging your product transfer or remortgage in good time, typically up to six months ahead, avoids this gap and gives you time to compare properly rather than deciding under time pressure at the last minute.
How We Help
As FCA-regulated advisers, we review Metro Bank’s offer alongside the wider market before you commit to anything, so you can see the full range of options rather than only what Metro Bank has sent you directly. There is no cost to you for this comparison, and no obligation to proceed with any option we show you.
Related Guides
- TSB Product Transfer
- Halifax Product Transfer
- Santander Product Transfer
- Aldermore Product Transfer
- Everything You Need to Know About Rate Switches
Ready to find out how much your Metro Bank product transfer could earn you? Use the calculator above or complete our short form and we will be in touch.
Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
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<span itemprop="addressLocality">Shelley</span>, <span itemprop="addressRegion">Huddersfield</span><br>
<span itemprop="postalCode">HD8 8HT</span>
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