Why choose us?

Coronavirus - Help us to help you

We are working hard to maintain the best service we can for you. As you can imagine our telephone lines are exceptionally busy at the moment. So we are asking for your help too.

In the interests of the health of both our customers and our staff, please avoid visiting our branches unless necessary. Please telephone your local branch direct during our business opening hours if you have any queries or to register to use our online services.

To reduce the risk to our branch staff and customers, from Monday 2 November our branch opening hours will temporarily be: Monday to Friday 9am – 2pm. We are currently closed on Saturdays. Branch telephones will be open 9am to 4pm Monday to Friday.

Our telephone opening hours at Principal Office will be 9am – 4pm Monday to Friday.

Please note visitors to our branches and Principal Office will be required to wear a face covering.

Thank you for your cooperation

EMAIL SCAM EXPLOITING JOB RETENTION SCHEME

Please beware of the following phishing email scam – National Trading Standards have passed on an alert about a phishing scam based on impersonating correspondence from the Government’s Job Retention Scheme.

The scam involves phishing emails to companies about the scheme
The emails pretend to be from Jim Harra, First Permanent Secretary and Chief Executive of HMRC
The sender email address used is no-reply@ncryptedprojects.com
the emails use Official HMRC branding, and the message asks for the bank details of the recipient.

An example message is provided below – the typos are the fraudsters’ own work:

“Dear customer, We wrote to you last week to help you prepare to make a claim through the Coronavirus Job Retention Scheme. We are now writing to tell you how to access the Covid-19 relief. You will need to tell your us which UK bank account you want the grant to be paid into, in order to ensure funds are paid as quickly as possible to you.”

NO EXCUSE FOR DOMESTIC ABUSE

According to data from the Home Office and charities supporting victims, the pressures of living under COVID lock-down have caused a rapid increase in cases of domestic abuse. Abuse can take the form of coercive control, deliberate neglect and verbal or physical aggression. It often involves economic abuse (coercive control of the victim’s finances to steal their money and / or deny them the right to spend it). We’re supporting the Government’s campaign to raise awareness about help for victims of domestic abuse. You can find further guidance on how to get help here: https://www.gov.uk/guidance/domestic-abuse-how-to-get-help

COVID-19 – ZOOM SCAM

Scammers are sending emails posing as the Zoom download manager asking the recipient to complete their download by clicking “next”, which releases malware when clicked. The only safe way to set up Zoom for personal use is to go on the Zoom official website and download it yourself.

COVID-19 – TEXT SCAM

Please beware of a new text scam purporting to be from the Government which informs the recipient via a text that they have been issued a £250 fine for leaving the house during the lock-down as the Government have been tracking their movements using their phone. The recipient is told that if they don’t pay immediately they will incur a heavier fine and encouraged to click on a link to make the payment which may deliver malware as well as taking the payment and their account details.

COVID-19 – FRAUDULENT EMAILS

During the coronavirus outbreak, many companies and organisations have sent emails containing COVID19 updates to their customers to make them aware of their current response and status. As these types of emails have now become increasingly frequent, criminals have started to use this familiarity to their advantage. These fraudulent emails, framed as a corporate COVID-19 response, contain malicious attachments and are targeting individual consumers and companies alike…

Emails may also be disguised as coming from a hospital that inform the recipient they may have come in contact with an individual who tested positive for COVID-19. The email instructs the recipient to download an attached Excel file, complete a form, and bring it to the nearest hospital. Once the attachment is downloaded, the malware has been activated and the attackers may be able to access your data.

Please keep in mind that typically, legitimate COVID-19 response emails have a message only in the body of the email and do not contain attachments.

COVID-19 – PROTECT YOURSELF FROM FRAUD

There is some evidence that criminals are attempting to use the current COVID-19 situation as an exploitation opportunity, so please be extra vigilant before clicking on an email about the coronavirus outbreak. If a claim sounds too good to be true, it probably is.

Criminals use exceptional circumstances like the current situation as a chance to pose as employees of a genuine organisation such as building society, bank or police and target you for fraud scams. They may claim they are dealing with coronavirus-related issues that require you to respond by paying money or providing personal information that will allow them to access your account. They often use pressure tactics to stop you thinking about want they want you do for them.

To help you stay protected, here are some things that we will never do:

Ask you to disclose your PIN number or other passwords for your accounts
Encourage you to move funds from your own account into a different “safe” account
Charge up-front fees for repayment holidays
Make home visits to collect mortgage arrears on your doorstep
Demand an immediate payment of mortgage arrears over the phone
Demand payment of mortgage arrears via email providing you with a link through which to make payments.

Please remain vigilant.

Stop – Take a moment to think.
Challenge – Don’t be afraid to ask questions or to say “No” and end the conversation.
Protect – Contact the building society or the bank from which you have made a payment immediately if you think that you have been the victim of fraud.

Coronavirus Update

We understand that some customers may be worried about the effect that contracting the Coronavirus (COVID-19) could have on their finances, for example due to a drop in income as a result of contracting the virus or because of the measures imposed to stop it spreading. If you have any concerns about how this could affect you and your mortgage, please click here to read the leaflet produced by the Building Societies Association and National Debtline or please get in touch on 01664 414141.

Please click here to see a list of Frequently Asked Questions for our members.

The Melton Building Society

Why choose us?

The Building Society difference

As a mutual building society we’re owned by our customers – our savers and borrowers. To us you’re more than a customer, you’re a member and the Society is owned by our members.

Unlike banks, being a mutual Society means we don’t have shareholders to pay dividends to so we can share the results of our success with our members through higher interest rates for savers, lower rates for borrowers and providing better services.

This also means contributing to the communities we serve, including supporting local charities not only financially, but also voluntarily with our time, experience and knowledge.

Member Benefits

At the Melton we believe loyalty should be rewarded and our existing members have access to our full range of mortgage and savings products.

Loyalty mortgages

As an existing mortgage customer you may also be eligible to:

Switch to a new product up to 3 months before the end of your current mortgage deal without paying any product fees or incurring an early repayment charge
Apply for additional borrowing
Take your mortgage with you to a new home
Have a savings account to reduce the amount of interest you pay on your mortgage – this is called an Offset
If we can’t help you with another Melton mortgage, we’re working with the UK’s leading mortgage broker, Mortgage Advice Bureau, who will search over 90 different lenders to help find the best mortgage for you. What’s more, as an existing Melton customer you won’t be charged a broker fee.

Loyalty savings

As a Melton savings customer you could:

Take out a local and loyal ISA – only for local customers or members of the Society for 5 years or more
Open a Wild Ones Young Savers account – only for local customers or members of the Society for 5 years or more – and get a free Wild Ones Pack provided through our unique partnership with our local Wildlife Trusts.

New Mortgage Customers

For customers looking for a new mortgage, we’re working with the UK’s leading mortgage broker, Mortgage Advice Bureau who will search over 90 different lenders to help find the best mortgage for you.

Mortgage Advice Bureau has access to 1000’s of mortgages, including exclusive deals not available on the high street. Their award-winning advice is tailored to your circumstances, whether you’re looking to take your first steps on the property ladder, moving home, or even investing in a buy-to-let property. They can help find the right mortgage for you and support your application every step of the way.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE

Coronavirus - Help us to help you