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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 1st April, branch opening hours will temporarily be reduced to 9am - 12pm Monday to Friday and closed on Saturdays.

We have also temporarily reduced our telephone opening hours at Principal Office to 9am - 3.30pm Monday to Friday and closed on Saturdays.

We apologise for any inconvenience this may cause.


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


Buying your first home, moving up the property ladder or building your dream home, we have a mortgage for you.

Mortgage Finder
Search our range of Mortgages

Please note that our mortgage finder is for illustrative purposes only.
The information provided does not contain all of the details you need to choose a mortgage.

First Time Buyer Mortgages

A choice of low deposit, fixed rate and shared ownership mortgages...

Moving Home or Your Mortgage

Whether you are purchasing a house or looking to move your mortgage from another lender, you can choose from fixed rate, discounted and low deposit mortgages...

Self Build & Renovation Mortgages

Build you dream home with the Melton’s self-build mortgages. Our self-build mortgages may also be suitable if you are renovating a property...

Buy to Let Mortgages

Our Buy to Let mortgages are specifically designed for people who want to invest in property to let out...

Existing Mortgage Customers

If you’re an existing mortgage customer who is looking to transfer your deal or want to borrow more, we have a choice of exclusive offers...

We offer a choice of mortgages, whether you are looking for a first time buyer mortgage, buy to let mortgage, self build or renovation mortgage, shared ownership mortgage, purchasing a new house or looking to move your mortgage from another lender (known as remortgaging). We have a range of mortgages for most homes and pockets, including fixed rate, discounted and offset mortgages, many with deposits as low as 5%.

With a fixed rate mortgage, the monthly interest rate (and therefore your monthly mortgage payment) will stay the same for a set period of time, typically this will be approximately two, three or five years. At the end of the fixed rate period your rate will usually change to our Standard Variable Rate.

You are guaranteed that your rate will be exactly the same every month for the duration of the fixed rate mortgage term – even if other interest rates rise during this period.

You can confidently plan your budget for the whole period, because you’ll know in advance exactly what your monthly outgoings for your mortgage will be. If interest rates fall during the fixed period, the amount you pay during the fixed rate mortgage period will not change, so you may end up paying a higher rate of interest than if you were on a variable rate mortgage.

With a discounted rate mortgage your payments are based on a discounted rate set at a certain level below our Standard Variable Rate for a specific period of time, which means your payments may go up or down. For example, a 1% discount for 12 months off a Standard Variable Rate of 5% would mean a pay rate of 4% for 12 months. As the rate is variable this means that your rate and payments could go up and down during the discounted period.

Sometimes these discounts are stepped over a period of time, for example, a discount of 2% in the first year followed by a discount of 1% in the second year. At the end of the discount period your rate will usually change to our Standard Variable Rate.

This type of discounted rate mortgage often provides you with lower payments in the early years to help with the cost of moving or setting up in your new home.

An Offset mortgage means you can use your savings to reduce the interest charged on your mortgage, while still having access to the money in your savings account. It has the effect of deducting the amount of your savings from your mortgage balance so you only pay the interest on the difference.