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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 Melton?

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

What does Melton provide?


Shared Ownership mortgages

Shared Ownership mortgages

  • 10% deposit
  • New Build up to 90% of share price for houses and flats
  • Restricted staircasing accepted

Residential mortgages

  • Low deposit (10%)
  • New build houses with up to 90% 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

Buy to Let mortgages

  • Regulated Family BTL
  • Non owner occupiers, first time buyers and first time landlords
  • Minimum income can be shared between joint borrowers
  • Holiday Lets including Regulated Consumer BTL product

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

  • Dedicated application portal – register from our Credit Repair Hub
  • Defaults, Missed Payments, IVAs, DMPs, CCJs, Bankruptcy and Repossession all considered up to 70% LTV
  • Full criteria and product guide available in our Credit Repair Hub

Please refer to our latest product guide and lending criteria for full details.

Product Guide

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

Lending Criteria

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

Literature & Useful Info

View our range of helpful guides and literature.


Search our FAQs for any questions you may have.