Metcalfe was born and brought up in Holme Wood in Bradford, West Yorkshire, and has been acting since age 12. She attended the Scala Kids drama school in her hometown. Metcalfe did a degree in Health and Fitness before proceeding with an acting career.
She has twice been in a relationship with footballer Jermaine Pennant. Following his move to Spain, she broke up with Pennant, but the pair remain friends. She is now dating former Geordie shore star Greg Lake.
She co-owns the clothing rental boutique, The Closet, in Liverpool with Hollyoaks co-stars Claire Cooper and Leah Hackett, which opened in April 2010.
On 19 December 2010, it was announced Metcalfe was to take part in the sixth series of Dancing on Ice. Metcalfe was the seventh celebrity eliminated from the competition when she finished in the bottom two of the leaderboard along with fellow contestant Vanilla Ice who was saved by the judging panel.