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 if you have any queries or to register to use our online services.

To reduce the risk to our branch staff and customers, from 1 September our branch opening hours will temporarily be: Monday to Friday 9am – 3pm.  We are currently closed on Saturdays.  Branch telephones will be open 9am to 4.30pm Monday to Friday.

Our telephone opening hours at Principal Office will be 9am – 6pm Monday to Friday.

Please note from Friday 24 July visitors to our branches and Principal Office will be required to wear a face covering.

Thank you for your cooperation


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
  • 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.”


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:


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.


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.


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.


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


mortgage info pages

Charges applied to mortgage accounts


Please refer to our Tariff of Mortgage Charges leaflet for full explanations – download here as a pdf document.

For our Tariff of Mortgage Charges for Customers in Arrears – please download here as a pdf document.

Fee Purpose Fee
Main Advance Standard Applications Valuation – Purchase Price Basic RICS* Homebuyer
Up to £80,000 £150.00 £350.00
£80,001 – £100,000 £170.00 £375.00
£100,001 – £120,000 £190.00 £400.00
£120,001 – £150,000 £210.00 £450.00
£150,001 – £200,000 £240.00 £500.00
£200,001 – £250,000 £260.00 £550.00
£250,001 – £300,000 £290.00 £600.00
£300,001 – £350,000 £330.00 £650.00
£350,001 – £400,000 £360.00 £700.00
£400,001 – £450,000 £410.00 £750.00
£450,001 – £500,000 £450.00 £800.00
£500,001 – £700,000 £580.00 £950.00
£700,001 – £900,000 £690.00  £1045.00
£900,001 – £1,100,000 £820.00  by arrangement
£1,100,001 – £1,250,000 £920.00  by arrangement
£1,250,001 – £1,500,000 £1100.00  by arrangement
£1,500,001 – £1,750,000 £1250.00  by arrangement
£1,750,001 – £2,000,000 £1450.00  by arrangement
Main Advance – Self Build Applications Valuation – Purchase Price Basic
Up to £250,000 £360
£250,001 – £500,000 £500
£500,001 – £750,000 £700
£750,001 – £1,000,000 £900
£1,000,001 – £1,250,000 £1,100
£1,250,001 – £1,500,000 £1,300
£1,500,001 – £1,750,000 £1,550
£1,750,001 – £2,000,000 £1,800
Further Advances
Revaluation** £100.00
Valuer’s reinspection £100.00
Insurance arrangement fee £25.00
Unpaid Cheque £25.00
Unpaid Direct Debit £25.00
Electronic Transfer £25.00
Redemption figure request (no charge for first copy requested each year) £25.00
Mortgage discharge £150.00
Title Insurance £78.40 *** up to £500,000
Amendment to terms of mortgage contract £95.00
Transfer of equity £170.00
Unpaid ground rent/service charge £40.00
Reference supplied to another lender £50.00
Deed of postponement £65.00
Release of part security £60.00 plus legal fees
Tenancy agreement administration fee £75.00
Monthly arrears administration £50.00
Legal proceedings administration £35.00
Review/Approval of Legal documentation from £65.00
Solicitors costs in relation to arrears (variable)
Mortgage possession administration £200.00
Trace fee £75.00
Third party Field Agent or Home Visit £100
Third party fees (variable)
Letter Before Warrant £10.00
Access to personal records under data protection act £10.00

There may be other charges specific to individual mortgage products. These will be explained in the product sheet, the European Standardised Illustration Sheet (ESIS) and your mortgage offer.

Credit Card payments will only be accepted for the payment of application and valuation fees.

* The RICS valuation fee may vary and the figures quoted are a guide only. We will confirm to you the cost of the RICS valuation.

** In certain circumstances a full valuation will be carried out (see Main Advance Valuation Fees above). In these instances you will be advised of the fee payable before your further advance application is processed.

*** Title Insurance Fee £78.40 for loans up to £500,000 – please contact us for a quotation where the loan amount exceeds £500,000.

Where we introduce new charges, or increase existing charges, we will tell you personally at least 30 days prior to implementation. A change which abolishes a charge, or reduces the amount of an existing charge, may be introduced with immediate effect and without notice. Any changes in respect of charges will be advertised in each of the Society’s branch offices.