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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?

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Short Term Lending

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

  • 5% deposit
  • Minimum age 18
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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
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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
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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
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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

FAQ’s

Search our FAQs for any questions you may have.

Search our FAQ’s