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  • We have temporarily withdrawn all shared ownership products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


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 £750k
  • No ERCs

Shared Ownership mortgages

  • 5% deposit
  • Minimum age 18

Residential mortgages

  • Low deposit (5%)
  • New build houses with up to 90% LTV
  • Flats up to 95% LTV (new build max 60% LTV)
  • Let to Buy up to 95% LTV on new residential purchase
  • Interest only up to 60% LTV
  • Remortgage up to 95% LTV
  • Right to Buy 100% of purchase price

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 Let

Self Build mortgages

  • 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

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

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.