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

The Melton Building Society has been providing mortgages for over 140 years and we are committed to supporting brokers to help people buy their own homes.

Why choose the Melton?

  • No credit scoring
  • Flexible underwriting and cases looked at individually
  • Available across England and Wales
  • Direct contact with the assessor dealing with your application
  • Dedicated Broker Support Team
  • Specialist in self build mortgages
  • Long successful track record of handling complex cases

What does the Melton provide?


Short Term Lending

  • Term 1 – 5 years
  • Loans £100k to £1m
  • No ERCs

Shared Ownership mortgages

  • 5% deposit
  • Minimum age 18

Residential mortgages

  • Low deposit (10%)
  • New build houses with up to 80% LTV
  • Flats up to 90% LTV (new build max 60% LTV)
  • Let to Buy up to 90% LTV on new residential purchase
  • Interest only up to 60% LTV
  • Remortgage up to 90% LTV
  • Right to Buy 100% of purchase price
  • Help to Buy Maximum 75% LTV (55% in London)
  • RIO mortgages up to 50% LTV

Buy to Let mortgages

  • Let to family
  • Non owner occupiers, first time buyers and first time landlords
  • Minimum income can be shared between joint borrowers
  • Holiday Lets
  • Consumer BTL

Self Build mortgages

  • Available for self build, custom build, renovation and conversion
  • Stage payments in advance including to purchase land
  • Interest only payments for build period
  • Option to transfer to another product and waive ERCs (subject to eligibility) on receipt of completion certificate and final inspection
  • Family Assist product

Credit Repair mortgages

Please refer to our Product Guide for full product details.

Product Guide

Our current range of mortgage products available for download in PDF format.

Download product guide

Lending Criteria

Guidelines designed to give general guidance to mortgage brokers on the Melton’s lending criteria.

View Lending Criteria

Literature & Useful Info

View our range of helpful guides and literature.

Find out more


Search our FAQs for any questions you may have.

Search our FAQ’s