Metro Bank has enhanced affordability across its residential mortgage range, increasing income multiples for higher earners and eligible professionals.

The lender has widened access to higher income multiples across its core residential products, allowing borrowers earning £70,000 or more to borrow up to five times income.

Alongside this, customers in select professional occupations — including solicitors, doctors and architects — can now borrow up to six times income, subject to criteria, as part of Metro Bank’s latest affordability changes.

Metro Bank has also reduced stress tests across its two-year fixed rate products, a move designed to improve affordability outcomes and support larger potential loan sizes while maintaining a focus on sustainable lending.

Charles Morley, director of mortgage distribution at Metro Bank, said: “As a specialist lender, we work hard to ensure our product range meets the needs of borrowers today.

“We know that affordability is often the first barrier people face when looking to take that first or next step on the property ladder.

“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.”

The changes build on Metro Bank’s expansion of its specialist mortgage proposition during 2025, which included the relaunch of its Near Prime range and the launch of new HMO and MUFB products.