This website is for FCA Authorised Intermediaries only.
From Setbacks to Success: A Less Than Perfect Credit Profile
Did you know that Metro Bank are able to offer greater flexibility for those that maybe struggling to get a mortgage elsewhere?
Meet Jane
Jane was looking to re-mortgage her current home and raise some funds for home improvement. She had a low LTV and a good overall credit profile but had an unsettled CCJ for a parking fine that she was not aware of and missed a payment on her mortgage six months ago.
And how we can help…
By applying our common-sense approach, Jane was able to remortgage her current home & capital raise for her dream kitchen even with her less than perfect credit profile.
Criteria highlights
Getting it right first time
At Metro Bank, we understand the importance of “getting it right first time” to ensure the applications you submit are turned around quickly.
We have highlighted below some “top tips” to support you and your customer -
Depending on your customers personal circumstances, you will be asked to provide different types of information to verify their name and address at different stages of the application.
Please ensure these are correctly certified and all documents requested are uploaded as missing documents or certification errors could lead to delays.
Identification and certification requirements for a Mortgage Application
All lenders are different so it’s important to understand our Mortgage Lending Criteria before you submit an application – don’t forget to also call your friendly BDM to talk through the details.
Before you submit your application, please ensure you complete the pre-submission checklist items. Please see our helpful Packaging Checklist.
Please label documents correctly and upload all checklist items at the same time as you submit the application so our underwriters can see clearly what documents have been provided and fully assess the application.
If you have further information you would like to provide to support the application, you can use the ‘Add a note’ facility. This can be found in the bottom right hand corner of the portal homepage.
Our BDM Team are here and available to help with new case queries. Please get in touch with your BDM or call our Broker helpdesk on 0203 427 1019.
Helpdesk opening hours:
Monday to Wednesday & Friday, 9am to 5.30pm
Thursday, 10am to 5.30pm
Saturday & Sunday, closed
For use by FCA Authorised Intermediaries only.