Metro Bank has reintroduced 95% loan to value products and cut fixed-rate deals across its landlord and residential product ranges. 

Highlights of the specialist bank’s residential reductions include: 

Reintroduction of 95% LTV purchase only, starting from two years at 5.99% and five years at 5.79% 

• Two-year fixes now start from 4.99% at 80% LTV 
• Five-year fixes now start from 4.79% at 80% LTV 

Highlights of the specialist bank’s buy-to-let reductions include:  

• Two-year fixes now start from 3.99% at 65% LTV, with a 5 % fee 
• Five-year fixes now start from 4.59% at 65% LTV, with a 5 % fee 

The lender will also scrap its 5.5% minimum stress rate requirement on five-year BTL fixes as well as all “pound-for-pound remortgages” and will now stress at pay rate plus 0.5%.