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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 8 June our branch opening hours will temporarily be: Monday to Friday 9am – 3pm (closed for lunch 12pm – 1pm).  We are currently closed on Saturdays.  Branch telephones will be open 9am to 4.30pm Monday to Friday.

From 8 June 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  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.”


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


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

Call us on 01664 414141 between 9am and 6pm Monday to Friday and 9am and 12pm on Saturdays
Our mortgages are available through independent mortgage brokers across England and Wales

Mortgages done differently

First time buyers

First time buyers

Buying your first home is an exciting time and our mortgages have been designed to help you get started.

  • To help affordability for grown-up offspring wanting to get on the housing ladder, parents are allowed on the mortgage
  • We also consider up to 4 incomes from immediate family
  • Unlike some other lenders, we accept gifted deposits from family (not just parents)
  • Great for first time buyers, we also have low deposit mortgages and shared ownership mortgages
View our mortgages
Older borrowers

Older borrowers

Our borrowing in later life solutions are designed to support older customers who are established home-owners with a stable income.

  • We consider mortgages for customers up to the age of 80 at the end of the repayment term
  • We accept private and state pension income, feasible self-employed and employed income, together with some investment income
  • Applicants can access our standard range of mortgage products with deposits from just 5%
  • We also lend on an interest only basis with downsizing as a repayment vehicle in place
  • No age restriction on buy to let mortgages (excluding let to families)
View our mortgages


If you want to invest in property and buy a house to let, you'll need a Buy to Let mortgage. Our Buy to Let mortgages allow landlords to build a portfolio of up to three properties with a total borrowing of £500,000 with the Society.

  • If you wish to let your main residence or a property that you have inherited, our Consumer Buy to Let mortgage may be appropriate for you
  • Our Family Buy to Let mortgage is specifically designed for renting your buy to let property to a family member
  • If you wish to invest in a holiday home or property to take advantage of holiday rental rates, we offer a Holiday Buy to Let mortgage
View our mortgages
Self builders and renovators

Self builders and renovators

Our self build mortgages make financing your self build or renovation project simple with funds released in stages.

  • We are one of just a few lenders who will lend to purchase the land (with outline planning permission). The Society will lend up to 85% of land and build costs (max 75% of final value)
  • Our Family Assist Self Build mortgage allows parents to provide the deposit for the mortgage and have it returned on completion
  • Our Advance Self Build mortgage releases funds in advance
  • Our Eco Self Build mortgage rewards investment in energy efficient features
  • Customers can have the mortgage on an interest only basis - this is particularly helpful if living in rented accommodation during the build or if choosing to stay in existing housing with a monthly mortgage payment
  • Pay a lump sum off at the end of the build when you complete a scheme transfer and the Society will waive the early repayment charges. This is particularly helpful for customers who may have savings they had kept aside for contingency for the build or if they have reclaimed VAT at the end of the self build project that they want to use to reduce the mortgage balance
  • At the end of your self build project you can transfer to a standard mortgage with the Society without incurring early repayment charges
View our mortgages Self Build Hub
Family Assist

Family Assist

Our mortgages feature some great solutions for modern families that combine your family’s financial strength to make the most of your circumstances.

  • To help affordability, parents and children are allowed on the mortgage
  • We also consider up to 4 incomes from immediate family
  • Unlike some other lenders, we accept gifted deposits from family (not just parents)
  • To help budding self builders, parents can provide the deposit for a self build mortgage and have it returned on completion of the build
  • We accept gifted land from immediate family (a garden plot for example)
  • We accept second residential mortgages for immediate families
  • We also offer Buy to Let mortgages for letting to family
View our mortgages