Coronavirus - Help us to help you.

We have temporarily reduced our opening hours.  From Monday 8 June our Principal Office will be open Monday to Friday, 9am to 6pm and closed on Saturdays. Please be patient with us while we work hard to minimise the impact of COVID-19 on our services. We apologise for any inconvenience this may cause.

Due to unprecedented demand we are extremely busy at the moment and our service levels may be longer than normal.  We apologise for any inconvenience this may cause.

Key Temporary Criteria

  • Maximum LTV is 80%
  • We are now accepting new build applications up to max 80% LTV (60% for flats)
  • We have temporarily withdrawn all shared ownership products
  • 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


Thank you for your patience
The Melton for Brokers


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Blog Archives

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...

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Self Employed


Applicants must have been trading for a minimum period of 24 months For self-employed applicants and company directors owning 331/3% or more of the company, the following are required:- LTV < 75% – most recent two years accounts or SA302 documents and respective Tax Year Overviews LTV > 75% – most recent two years accounts...

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Self Build


Self build applications will be considered where the applicant intends to reside in the property in line with general criteria and in addition the following will also apply:

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Shared Ownership


Permitted The maximum loan to value ratio considered by the Society is 95% of the share being purchased subject to a maximum of 75% of the value of the property for the purposes of staircasing (maximum 60% LTV for new build flats) Society will only lend on 25% of affordable scheme housing on any single...

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Short Term Lending


Permitted in line with general criteria secured against borrower’s prime residential property to max 60% LTV. Short term loan purposes considered: Assist in purchase of a new residential property whilst awaiting sale of the existing property Residential development finance on another property Self build Purchase a residential property where a term of less than 5...

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Service Update

Due to unprecedented demand we are extremely busy at the moment and our service levels may be longer than normal.

We apologise for any inconvenience this may cause.