Accessibility Help

Existing mortgage customers

Are you an existing customer and want to change your mortgage? We can help you – perhaps to raise funds towards home improvements or pay for a large purchase.

Choose a new deal with the Melton, and you’ll always be offered our best rates.

Free EPC Plus

To help you see what green improvements could be made to your home, we’re offering our home-owning members a free Home Energy Efficiency Report from Vibrant. Click below to find out more.

EPC Plus

Switching your Melton mortgage

Existing borrowers with the Melton may be eligible to switch to a new mortgage product without paying an application fee or early-repayment charges.

Also, you won’t have to pay legal or valuation fees when switching. We won’t need to do credit or affordability checks, unless you’re making other changes to your mortgage (such as the repayment type or term). You can take advantage of our current product range, which could mean getting a better rate and saving money.

If you would like to consider switching to a new mortgage product with us, simply give our Mortgage Retentions Team a call on 01664 414145 to discuss your options. The team can then arrange for you to have a more in-depth discussion with one of our advisors, who can help you choose a suitable product based on your needs and circumstances, if you require advice.

You can transfer to a new product up to 3 months before the end of your current mortgage deal and we’ll write to you 5 months before that to let you know what’s available.

Existing MBS Lending Customers

Our Credit Repair subsidiary, MBS Lending is no longer available for new mortgage applications.

If you are an existing MBS Lending customer, you will not be affected by this change. There will be no changes to your existing mortgage and we will write to you 5 months ahead of your product maturity date – if applicable, to let you know which products you are eligible to switch to.

If you have any other questions about your existing mortgage, please get in touch by calling our Mortgage Retentions Team on 01664 414145.

MBS Lending Limited is authorised and regulated by the Financial Conduct Authority. MBS Lending Limited is registered on the Financial Services Register under number 460654. Registered address: Mutual House, Leicester Road, Melton Mowbray, Leicestershire, LE13 0DB. MBS Lending Limited is a company registered in England under Company Number 6007144. MBS Lending Limited is a subsidiary of Melton Mowbray Building Society.

Porting your mortgage

Porting your mortgage means taking the same mortgage deal with you to a different property – keeping the same lender, balance, loan-to-value ratio and mortgage type.

To find out more about transferring your existing Melton mortgage to a new property when you move home on a ‘like for like’ basis, please click here to read our Portability Information Sheet or call our main switchboard on 01664 414141 to speak to a mortgage advisor.

Further borrowing

To apply for extra borrowing, perhaps to help finance home improvements or pay for a large purchase, please contact our main switchboard on 01664 414141 to speak to a mortgage advisor.

Do you have an interest-only mortgage?

If you have an interest-only mortgage and you’re unsure about whether you have sufficient arrangements in place to repay the capital balance at the end of your mortgage term, please speak to us. It can be very useful to review the way you make repayments. Together, we can discuss all your options.

You may also find helpful the FCA leaflet, ’Interest only-mortgages: act now and talk to your lender’ .

Have your circumstances changed since you took out your mortgage?

Not a problem. We can offer a review with a member of our experienced team, who will discuss future arrangements and repayment strategies with you. There’s plenty of help around. Take a look at You can also check our Guide to Mortgages for an overview.


If you’re not an existing Melton customer but would like to look at your remortgaging options, we can help. Melton Mortgage Solutions advisers can search 1,000s of mortgages from over 90 lenders to find the right remortgage deal for you. Click here to find out more.