Metro Bank starts offering six times salary mortgages

by Aaron Strutt

Oct 31 2025

Metro Bank is the latest major lender to increase the amount it will lend to certain borrowers and to offer up to six times income mortgages.

The enhancements mean that borrowers earning £70,000 or more will now be able to borrow up to five times their income for products in its core residential range. Eligible professional customers such as solicitors, doctors and architects will also now be able to borrow up to six times their income.

What has Metro Bank changed?

•Enhanced income multiples for professionals – Eligible professional clients can now borrow up to 6x income.

• Improved access to higher income multiples on the Core Range, which are the most competitively priced rates Metro Bank offers. The bank is also offering 5x income from borrowers earning over £70,000.

• Updated cost of living assessment – Affordability that reflects real life. This means the lender may be less strict with borrowers who have credit cards and loans.

• Lower stress rate on 2-year fixed products – improving affordability and potential loan sizes.

Alongside these affordability enhancements, we’ve also updated our minimum leasehold criteria. Minimum lease term now 85 years at application (new-build properties require 125 years).

Aaron Strutt, product director at Trinity Financial, says: "The list of lenders offering up to six times salary mortgages has got even longer with Metro Bank and Bank of Ireland Bespoke increasing their income multiples. While a six-times salary might seem like quite a stretch, many borrowers may not need to raise the full six times income; they may need just over five or slightly more to get the property they want. These mortgages are useful for many younger people aiming to buy larger homes rather than traditional starter flats.

"Barclays and HSBC do not charge a premium on the rate to access their income-stretch mortgages, unlike some lenders that charge higher rates or require longer-term fixes. They do have stricter minimum income requirements, though. Nationwide was the first major lender to offer up to six times salary mortgages to first-time buyers, and the scheme has been incredibly popular. With Metro Bank and Bank of Ireland easing their criteria, it won’t be long before other lenders change their rules to start offering more generous loan sizes. Mortgage rates are much cheaper than they were and there are lots more lower deposit deals, this combination does make it a good time to get on the property ladder especially for those who have struggled to get sufficiently large mortgages in recent years."

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The information contained within was correct at the time of publication but is subject to change.

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