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


Manage Cookie Settings

Preferences updated.

Essential Cookies

Essential cookies allow us to remember the choices you make on our site and to provide enhanced and more personalised features, such as acknowledging a service announcement, remembering if we have asked you to participate in a promotion and for other services you request. These features help us to improve your visit to our website and are essential to the funcionality of the website and so cannot be disabled.

Non-Essential Cookies

The non-essential cookies on our website are mainly analytical cookies and are used to track visitors on the website. They are crucial in measuring the performance of a website and to optimise it. If you do not wish for us to track your usage you can disable these here

Blog Archives

Retirement Interest Only (RIO)


Max 50% LTV Minimum age 65 at application for all borrowers Affordability assessed on a sole survivor basis for joint applications Leasehold property must have a minimum of 110 years remaining on the lease at application Loans to repay gambling debts will not be accepted Property & Financial Lasting Power of Attorney must be registered...

Learn more

Regulated Buy to Let


Rental Cover & Affordability Gross rental income must cover the mortgage payment (calculated at the Society’s BTL stressed rate on an interest only basis) by a minimum of 145%, calculated after assuming no void periods after taking into account any other borrowings. Evidence of actual or anticipated rental income is obtained by reference to a...

Learn more

Right to Buy


Permitted on selected products only Not available on flats in London The maximum loan considered is 100% of contractual purchase price up to a maximum of 65% LTV (60% in London) Rent paid by housing benefit within the last 12 months is not acceptable

Learn more



Permitted on properties which have not been subject to sale or remortgage in the preceding six months with the following exceptions: Inherited properties Self-build properties Properties to be renovated Loan purposes considered: £ for £ remortgage Capital raising for home Improvements Capital raising for debt consolidation up to 75% LTV** ** Where a loan is...

Learn more