Why Choose Us Contact Us The Wildelife Trusts

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, branch opening hours have temporarily be reduced to 9am - 1pm Monday to Friday and 9am – 12pm Saturdays.

We have also temporarily reduced our telephone opening hours at Principal Office to 9am - 3.30pm Monday to Friday and 9am – 12pm Saturdays. We apologise for any inconvenience this may cause.

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.

Coronavirus Scams

The Society is aware of fraudsters using the Coronavirus outbreak to try and trick people into parting with their money. Here are four types of fraudulent activity that we are aware of:

  • Sales of ineffective protective face masks
  • Coronavirus-themed phishing emails with malicious links and attachments
  • Fraudsters sending texts and emails pretending to be from the World Health Organisation (WHO) claiming to be able to provide a list of infected people in their area. Please remember to be wary of links and attachments from unsolicited emails and texts and take care not to provide your personal or financial details
  • Posing as employees of a bank or building society. Please click here to read further guidance on how to protect yourself

Thank you for your patience.

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