Coronavirus - Help us to help you.

From Monday 1 March 2021 Melton for Brokers will be open Monday to Friday, 9am to 5pm.  Our Lending Team is available 9am to 12pm on Saturdays. Key Temporary Criteria

  • Maximum LTV is 90%
  • We are now accepting new build applications up to max 80% LTV (60% for flats)
  • We will consider furloughed applicants by referral only. Please contact us to discuss with full details of the circumstances before submitting an application
  • We are conducting desktop valuations on all applications up to 70% LTV that meet our AVM criteria. These can then progress to offer as normal. Applications above 70% LTV and those that do not meet criteria, will be progressed as far as possible and subject to a physical valuation before a binding offer can be issued. We are now instructing physical valuations in England & Wales

The Melton for Brokers


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Unacceptable Security

  • The following types of property are not acceptable:
  • Properties of non-standard (classed as defective under the Housing Act) construction
  • Freehold flats
  • Studio flats
  • Bedsits
  • Houseboats
  • Property adversely affected by subsidence
  • Property in a derelict condition
  • Multiple occupancy properties
  • Properties with a value of less than £90,000
  • Properties described in the valuation report as being unsuitable for mortgage purposes
  • Properties with flying freehold in excess of 15% of floor area
  • Properties attached to commercial premises
  • Ex-local authority houses in an area where the number transferred into private ownership is less than 40%
  • Farms/Small holdings
  • Restricted properties
  • Properties which are affected by Japanese Knotweed
  • Conversion of steel framed commercial premises to residential
  • Properties which are in effect ‘temporary construction’

Loans on properties which have been subject to sale or remortgage in the preceding six months will not normally be accepted with the following exceptions:

  • Inherited properties
  • Self-build properties