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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 during our business opening hours if you have any queries or to register to use our online services.

From Thursday 7 January 2021, our branch opening hours will be: Monday to Friday 9am – 1pm.  Our Melton Branch  will be open on Saturday 9am to 12pm.  Our Grantham and Oakham Branches will be 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 and 9am to 12pm on Saturdays.

Please note 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

Existing Mortgage Customers

Changing mortgages for existing customers is something we can help with. This might be to raise funds to help pay for home improvements or to pay for a large purchase.

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

Switching Your Melton Mortgage

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

You also won’t have to pay any legal or valuation fees when switching. We won’t need to carry out credit or affordability checks, unless you’re making other changes to your mortgage (such as 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 the options available to you in the first instance. The Team can then arrange for you to have a more in depth discussion of your mortgage requirements with one of our mortgage 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 your product comes to an end to let you know what’s available, or you can view our Scheme Transfer Product Guide here.

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.

If you would like 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 Mortgage Retentions Team on 01664 414145.

Further Borrowing

If you would like to apply for additional borrowing perhaps to help finance home improvements or pay for a large purchase, please contact our Mortgage Retentions Team on 01664 414145.

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 – reviewing the way you make repayments can be very useful. Together, we can discuss all the options available to you.

You might also find the FCA’s “Interest only-mortgages: act now and talk to your lender” publication helpful.

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 customer of the Melton, but would like to look at your remortgaging options we can help – we’re working with Mortgage Advice Bureau who will search 1,000’s of mortgages from over 90 lenders to find the right remortgage deal for you. Click here to find out more.