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Rates Reduced on High LTVs


As a welcome boost for first time buyers, the Melton has reduced rates on its high LTV fixed rate products by up to 50 bps:

  • 5 Year Fixed Rate to 30 September 2026 (initial pay rate reduced from 3.39% to 89%), 90% LTV, app fee £199, no completion fee. Minimum loan amount £150k. Not available for new builds or flats
  • 5 Year Fixed Rate to 30 September 2026 (initial pay rate reduced from 2.89% to 59%) LTV, app fee £199. Minimum loan amount £100k. Not available for new builds or flats.

“These reductions are great news for first time buyers, particularly when combined with our flexible standard lending criteria,” says Dan Atkinson, Head of Intermediaries, the Melton.  “For example, we don’t credit score, we only do a credit search and we offer a 40 year term to support affordability.  In addition, we manually underwrite each case and we consider family gifted deposits up to 50% of the purchase price, along with up to four applicants on an application.  We’re committed to helping first time buyers get onto the property ladder by ensuring we offer a choice of competitively priced products, combined with lending criteria that supports affordability and today’s varied lifestyles.”

The Melton’s broker website,, provides an online end to end mortgage processing system that enables brokers to register, obtain a DIP, submit an application, upload documents and track cases online – all in one easy to access place. They can also access current service levels, affordability calculators, product guide, lending criteria and a Broker Live Chat service.