Fixed-rate mortgages
A rate that won’t change for a set time
Choosing a fixed rate mortgage means you won’t be affected if interest rates go up or down for a set number of years.
Mortgage options
For all kinds of adventures
Take a look at the range of mortgages we can offer to help with your plans.
Your home may be repossessed if you do not keep up repayments on your mortgage.
- Whatever your needs, we have a mortgage for you
- Explore some innovative ways to afford your mortgage
- Work out what you could borrow and what your payments may be
Explore our mortgages
Tracker mortgage
A flexible mortgage that follows the market
A tracker mortgage doesn’t tie you down to a fixed rate, so your payments could go up or down.
Offset mortgages
Put your savings to work with an offset mortgage
Reduce your monthly payments or pay off your mortgage sooner by offsetting other accounts with us against your mortgage balance – find out how.
Great Escape mortgages
Save money when you remortgage with us
You could save thousands of pounds when you switch to us from your current lender because we won't charge you application, valuation or standard legal fees.
Meta Bank Green Home Mortgages
Buy an energy efficient home and get a lower rate
We’ll reward you with a lower mortgage rate on certain deals when you buy an energy efficient home – it’s just one of the ways we support greener choices.
Interest-only mortgages
How do they work?
Pay the mortgage interest each month without reducing the
balance. You’ll need to have a realistic plan to repay the balance by
the time the mortgage ends.
Helping you afford a mortgage
Family Springboard Mortgage
A way for families and friends to help with a deposit
Your family and friends can support you by providing 10% of your property’s price as security – and they’ll get their money back with interest if you keep up your mortgage payments in time.
Joint and guarantor mortgages
Buying property with other people
Buying property with your partner, family or friends can
make sense, as long as you weigh up the benefits and risks of taking out
a joint or guarantor mortgage.
Help to buy mortgages
Get a helping hand when buying a home
Struggling to save a deposit? See how the government’s Help to Buy scheme could help you take the first steps towards your new home.
Shared ownership mortgages
Buy a share of a home and pay rent on the rest
When you part-buy, part-rent a home through shared
ownership, you can apply for a smaller mortgage amount – so your deposit
could be lower, too.
How to apply
Use our calculators to see how much you could afford to
borrow, get an Agreement in principle to see if we could lend what you
need.
How much could I borrow?
Mortgage borrowing calculator
Get a quick quote for how much you could borrow for a property you’ll live in, based on your financial situation. If you want a more accurate quote, use our affordability calculator. You’ll need to spend a little longer on this.
Mortgage cost and repayment calculator
How much would a mortgage cost?
See examples of costs for different mortgage types and interest rates.
Agreement in Principle
Take the first step to your mortgage
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
Meta Bank Money Mentors
First home or new home, we’re here to help
Buying your new home should be exciting, which is why we’re here to offer you guidance on how you can achieve your goals.