Market Harborough Building Society: Savings, Mortgages & Account Guide

by
Independent Leicestershire & UK Member Guide · Reviewed September 2026

Market Harborough Building Society: Savings, Mortgages & Account Guide

Market Harborough Building Society customers usually need a practical answer: how to log in, which savings account fits their access needs, how to fund an account safely, what happens when a mortgage deal ends, or where to find the nearest branch.

This guide focuses on those jobs. It explains the MHBS Online Service, current savings choices, Cash ISAs, notice accounts, Confirmation of Payee, existing-mortgage options, branch opening hours and the account-security checks worth understanding before you move money.

Open Official MHBS Online Service Compare MHBS Savings Choose Your Task
Independent website and security notice: Building-society.org is not Market Harborough Building Society and cannot view, unlock, withdraw from, transfer, close or change an MHBS account. Never enter your customer number, online password, memorable information, One Time Passcode or full mortgage security information on this website.

Meaningful editorial review: 13 September 2026. Savings rates, mortgage products, branch hours and online procedures can change. Re-check the relevant MHBS page before opening an account, moving a large balance or changing a mortgage.

Market Harborough Building Society: Quick Answers

Main phone 01858 412412.
Telephone hours Monday to Friday, 9:00am–5:00pm, excluding Bank holidays.
Online Service online.mhbs.co.uk for registered savings customers.
Current FSCS limit Eligible deposits are protected up to £120,000 per eligible depositor, subject to FSCS rules.
Financial Services Register Market Harborough Building Society reference number 206041.
Current branch network Five branches across Leicestershire and Northamptonshire.
Market Harborough branch Welland House, The Square, Market Harborough, LE16 7PD.
Current website Head Office Newcombe House, 16 The Point, Market Harborough, LE16 7QU.
Important local distinction: the customer-facing Market Harborough branch is at Welland House, The Square. MHBS’s current website footer identifies Newcombe House, 16 The Point as its Head Office. For routine branch transactions, use the branch address rather than assuming the administrative Head Office is the right counter.

What Do You Need From Market Harborough Building Society?

Online account Log in or reset access

Use the secure MHBS Online Service to view supported savings accounts, send secure messages and complete available transactions.

Open login guidance
Savings Compare access and interest

Choose between regular savers, notice accounts, Cash ISAs and other products according to when you need the money.

Open savings guidance
New account Apply online or in branch

Some products support online opening while others are branch or postal products. Eligibility differs by account.

Open application guidance
Payments Fund an MHBS account

Use the Society’s central payment details and your 11-digit MHBS account number as the reference.

Open payment guidance
Mortgage Existing borrower or new enquiry

MHBS specialises in complex mortgage cases and bridging through brokers, with direct support for existing borrowers.

Open mortgage guidance
Local help Find a branch

MHBS currently operates five branches in Market Harborough, Desborough, Kettering, Rothwell and Kibworth.

Open branch details

What Market Harborough Building Society Does

Market Harborough Building Society is a UK mutual building society with a long-standing presence in Leicestershire and Northamptonshire. Its main retail services are savings and mortgages, with online, telephone, postal and branch support depending on the product.

The Society also specialises in more complex mortgage scenarios and bridging finance, with new mortgage business commonly introduced through experienced mortgage brokers. Existing borrowers receive direct mortgage servicing from MHBS.

Personal savings Notice accounts, regular savers, ISAs and other savings options with different access rules.
Online Service View supported savings accounts, apply for eligible products, send secure messages and complete available transactions.
Branch banking Five current branches provide local savings service across Leicestershire and Northamptonshire.
Specialist mortgages Mortgage lending for complex circumstances and bridging, generally available through mortgage brokers.
Existing borrowers Product switching, porting, overpayments, further borrowing and payment support.
Mutual membership Qualifying share-account holders are members of the Society under its rules.

Official MHBSMarket Harborough Building Society Official Website

After opening this link:

  1. Choose Savings, Mortgages or Help & Support according to your task.
  2. If you are an existing saver, use the Online Service for account-specific information where possible.
  3. Open individual savings products before comparing rates because withdrawal restrictions differ significantly.
  4. If your question involves personal account details, use secure messaging or telephone support rather than ordinary email.
  5. Check that the browser address belongs to mhbs.co.uk or online.mhbs.co.uk before entering security information.

MHBS Online Service Login and Account Help

MHBS describes its Online Service as the secure platform where registered customers can view savings accounts, open eligible accounts, make supported transactions and send encrypted secure messages.

Customer number Each online user has their own customer number, which is different from the individual savings account number.
Password Your password forms part of the security details used to access the service.
Memorable information MHBS can use memorable information as an additional part of online authentication.
One Time Passcode An authentication code can be sent to the mobile number registered with MHBS.
Secure messaging Registered users can contact MHBS securely about their own account from inside Online Service.
Payment cut-off The current login notice says electronic-payment requests received after 3pm or outside a Working Day are processed on the next Working Day.

Official loginMHBS Online Service

After opening this link:

  1. Check that the address is the official online.mhbs.co.uk service.
  2. Enter your own customer login details rather than another joint holder’s credentials.
  3. Complete the requested security information.
  4. When prompted, request and enter the One Time Passcode sent to your registered mobile number.
  5. Review your accounts and recent activity before starting a transaction.
  6. Use Secure Messages for account-specific questions that are not urgent.
  7. Log out properly when finished.
Secure Messages are not for emergencies. MHBS says it aims to respond to secure messages within three Working Days. If a payment, suspected fraud or another matter needs immediate attention, telephone the Society instead.

First-Time Online Service Registration and Forgotten Passwords

All MHBS savings accounts can be viewed online once the eligible customer has registered. Joint holders and organisation-account signatories register individually rather than sharing one set of security details.

Register when

  • You hold an eligible MHBS savings account.
  • You have never created Online Service access.
  • You want to manage supported account functions online.
  • You need Secure Messaging.

Reset rather than re-register when

  • You already have Online Service access but forgot your password.
  • Your login details previously worked.
  • You still hold active MHBS accounts.
MHBS’s current savings terms say Online Service is not available to customers under 18 or to ordinary third-party signatories. Attorneys may be able to use it where MHBS has accepted the appropriate Power of Attorney documentation.

Official registrationRegister or Reset Through MHBS Online Service

After opening this link:

  1. Select Register Here if you have never registered.
  2. Select Reset Password if you already have access but cannot remember the password.
  3. Complete the identity and security checks shown by MHBS.
  4. Make sure the mobile number held by the Society is current because authentication codes can be sent there.
  5. If your registered mobile number is wrong, call 01858 412412 or visit a branch.

Opening a Market Harborough Savings Account Online

Not every MHBS product can be opened online, but current online applications for eligible accounts have a clear set of practical requirements. Always check the specific product page first.

Be aged 18 or over for the standard online adult-account route.
Be a permanent UK resident where the product requires it.
Have your National Insurance number available.
Have your bank-account details ready.
Have access to your mobile phone.
For a joint online application, have both applicants available.
Online-application limitation: current MHBS online application screens state that trustees cannot use the standard personal online application and that you cannot use that route to apply on behalf of somebody else.

Official savings rangeFind an MHBS Savings Account

After opening this link:

  1. Choose the savings category that matches your intended access.
  2. Open the individual product page.
  3. Check whether it can be opened online, in branch or by post.
  4. Read the eligibility section before starting the application.
  5. Check how quickly the account must be funded after opening.
  6. Read the withdrawal rules before depositing emergency money into a notice or fixed account.

Market Harborough Savings: Easy Access, Notice, Regular Saver and Fixed Terms

MHBS’s September 2026 savings range is unusually useful for comparing different levels of access. Notice periods run from short notice through to several months, while regular savers can restrict withdrawals completely until maturity.

Account type
Useful when
Check carefully
Notice savings
You can plan withdrawals ahead and want a rate linked to accepting a notice period.
Exact notice period and whether early access is prohibited even with a penalty.
Regular saver
You want to build savings gradually each month.
Monthly deposit maximum, maturity date and whether withdrawals are allowed.
Fixed-term savings
You have a lump sum you can leave untouched for the term.
Deposit window, maturity date and lack of early access.
Cash ISA
You want tax-free cash savings under current ISA rules.
Transfer rules, annual allowance, notice period and any early-access penalty.
Keep emergency money separate. The current 75 Day Notice Account Issue 2 requires 75 days’ written notice and states that early withdrawals are not allowed even with a penalty. Other MHBS products can be even more restrictive.

MHBS Savings Rate Snapshot: 13 September 2026

These figures are a dated snapshot of the current MHBS range. They illustrate the trade-off between rate and access and should be re-checked immediately before you apply.

5.75% AER Fixed Term Regular Saver maturing 30 November 2027; current monthly-deposit product.
4.25% AER 160 Day Notice Account, current variable rate from 19 May 2026.
4.05% AER 145 Day Notice Account at the review date.
3.60% AER 130 Day Notice Account at the review date.
2.35% AER 90 Day Notice Account at the review date.
1.90% AER 75 Day Notice Account Issue 2 at the review date.
Why the highest rate is not automatically best: the current 5.75% regular saver limits monthly funding and prevents withdrawals until maturity. The 160-day notice account pays less but is designed around a different type of saver and withdrawal timetable.

Official live ratesMHBS Current Savings Interest Rates

After opening this link:

  1. Find the account category you are considering.
  2. Check the effective date next to the rate.
  3. Look at the minimum balance as well as the AER.
  4. Check whether the product can still be opened or is maturity-only.
  5. Open the product page and read the full access rules before applying.

Market Harborough Cash ISAs and 2026/27 ISA Allowance

MHBS currently offers several Cash ISA access styles. For the 2026/27 tax year, the overall ISA allowance remains £20,000 under current rules.

1.60% tax-free/AER Easy Access ISA Issue 6 at the review date, minimum balance £100.
2.70% tax-free/AER 100 Day Notice ISA at the review date, minimum balance £5,000.
2.40% tax-free/AER Junior ISA at the review date, available for eligible children under current Junior ISA rules.
£20,000 Current overall adult ISA allowance for the 2026/27 tax year.
ISA transfer warning: if you are moving existing ISA funds, use a formal ISA transfer rather than withdrawing the money into an ordinary bank account. A normal withdrawal can affect the existing tax-free status of the money.

Official Cash ISAsMarket Harborough Building Society ISA Accounts

After opening this link:

  1. Compare easy-access, notice and any available fixed ISA products.
  2. Check the tax-free/AER rate and minimum balance.
  3. Read the withdrawal or notice conditions.
  4. Check whether the product accepts transfers from other ISA providers.
  5. Use the formal transfer process rather than withdrawing the old ISA yourself.
  6. Read any information about planned ISA-rule changes separately from the rules that apply in the current tax year.

How to Pay Money Into an MHBS Savings Account

MHBS participates in Confirmation of Payee. When sending money electronically to a personal MHBS savings account, the Society publishes central receiving details plus a customer-specific payment reference.

20-49-16 Published MHBS receiving sort code.
70608386 Published central MHBS receiving account number.
Your full name Enter the account holder’s full first and last name as registered with MHBS.
11-digit reference Use your 11-digit MHBS account number without the “/1” ending.
The payment reference matters. Sort code 20-49-16 and account number 70608386 are central MHBS payment details. Your own 11-digit MHBS account number identifies where the payment should be credited.

Official payment checkMHBS Confirmation of Payee Guidance

After opening this link:

  1. Use your full first and last name exactly as shown on your MHBS account.
  2. Select Personal as the account type for an ordinary personal savings account.
  3. Enter sort code 20-49-16.
  4. Enter account number 70608386.
  5. Enter your 11-digit MHBS account number as the reference without “/1”.
  6. Review the Confirmation of Payee result before authorising the payment.
  7. If the result says the details do not match, stop and check rather than forcing the payment through.
New account timing: MHBS notes on current regular-saver information that Confirmation of Payee may not work for the first 24 hours after a newly opened account is set up.

MHBS Withdrawals, Notice Periods and Nominated Accounts

Withdrawal rules are set by the individual product. The Online Service may provide a transaction function, but it does not override a 30-day, 75-day, 160-day or fixed-term access condition.

Online transaction Supported accounts can use Online Service for eligible withdrawals or transfers.
Notice account You normally need to serve the required notice before withdrawal or closure.
Fixed term Many fixed products prohibit withdrawals until maturity.
Nominated bank account MHBS commonly sends eligible withdrawals to the external account registered for you.
Do not assume a penalty will buy early access. The current 75 Day Notice Account Issue 2 expressly says withdrawals, transfers or closure require 75 days’ written notice and that early access is not permitted even with a penalty.

Market Harborough Building Society Mortgages

MHBS specialises in mortgages for complex scenarios and bridging finance. Its current consumer mortgage page directs new borrowers towards experienced mortgage brokers rather than presenting a simple mass-market direct mortgage range.

New mortgage enquiry

  • Consider using an experienced regulated mortgage broker.
  • Check the broker on the FCA Register.
  • Discuss complex income, property or lending circumstances honestly at the start.
  • Review product fees as well as the interest rate.
  • Use MHBS’s current mortgage criteria and product information through the supported channel.

Existing MHBS borrower

  • Additional borrowing.
  • Porting an existing mortgage.
  • Switching to a new mortgage product.
  • Overpayments.
  • Potential repayment holidays, where conditions are met.
  • Payment-support discussions.

Official mortgagesMarket Harborough Building Society Mortgages

After opening this link:

  1. If you need a new mortgage, read MHBS’s broker guidance first.
  2. Use a regulated broker experienced with the type of borrowing you need.
  3. If you already have an MHBS mortgage, go to the existing-borrower section instead.
  4. Check product fees, Early Repayment Charges and the effect of any product switch.
  5. If your mortgage payment is becoming difficult, use the payment-support route immediately rather than waiting for arrears.
Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage approval and product availability depend on individual circumstances, affordability, property acceptability and MHBS lending criteria.

Existing MHBS Mortgage: Switch, Port, Overpay or Borrow More

Existing borrowers have several member features that are separate from applying for a completely new mortgage elsewhere.

Product switch Eligible borrowers approaching the end of a deal can choose from the Society’s available existing-borrower products.
Current residential SVR 7.24%, effective from 1 January 2026, at this review date.
Porting You may be able to transfer an existing product to a new property, subject to affordability, valuation and lending criteria.
Additional borrowing MHBS currently describes further advances for eligible existing borrowers, with a published minimum loan of £30,000.
Overpayments Your existing mortgage product may allow penalty-free overpayments within its conditions.
Repayment holiday Some customers who have made 12 consecutive monthly payments in full may be eligible, subject to conditions and approval.
Do not drift onto SVR without checking your options. MHBS’s current Residential SVR is 7.24%. If a fixed or discounted deal is ending, review the product-switch choices sent to you before the maturity date.

Official existing borrowersMHBS Existing Borrower Benefits

After opening this link:

  1. Identify whether you want a product switch, port, additional borrowing, overpayment or payment holiday.
  2. Check your current mortgage end date and Early Repayment Charge period.
  3. For a switch, compare the new product’s rate and fees with suitable alternatives.
  4. For additional borrowing, expect MHBS to reassess affordability and other lending criteria.
  5. For porting, confirm how the timing of the sale and purchase affects any ERC.

MHBS Mortgage Product Switching: Timing Matters

MHBS currently explains that eligible existing-borrower switches normally complete on the first day of the relevant month. Timing your choice correctly can help prevent an unintended move onto SVR.

18th Current cut-off stated by MHBS for confirming a switch intended for the first day of the following month.
1st Product switches normally complete on the first of the relevant month.
~10 working days Approximate timing before transfer when MHBS says it can issue the formal ESIS or similar information sheet.
Product choices can change or be withdrawn. Read the personalised options sent by MHBS and the formal ESIS before assuming a rate shown earlier will remain available.

Mortgage Payment Difficulty: Contact MHBS Early

If you are worried about keeping up with mortgage payments, MHBS asks customers to get in touch as soon as possible. Speaking to the Society about financial difficulty does not itself damage your credit file; missed payments can.

Call 01858 412412.
Email mortgagesupport@mhbs.co.uk for general mortgage and payment-support enquiries.
Prepare Have your mortgage reference and a realistic view of income, essential spending and changed circumstances.
Independent help Free debt-advice organisations may also be useful when difficulties affect more than the mortgage.

Official payment supportMHBS Mortgage Payment Support

After opening this link:

  1. Contact MHBS before missing a payment if possible.
  2. Explain whether the difficulty is temporary or likely to continue.
  3. Prepare household income and essential-spending information.
  4. Ask what options could apply and what each option means for future interest and payments.
  5. Do not hand back keys or enter a sale-and-rent-back arrangement without understanding the long-term consequences and seeking independent advice.

Market Harborough Building Society Branches, Addresses and Hours

MHBS currently lists five branches across Leicestershire and Northamptonshire. Opening patterns differ considerably, so check the exact branch rather than assuming every location opens every weekday.

Market Harborough Branch

Address:
Welland House
The Square
Market Harborough
Leicestershire
LE16 7PD

Telephone: 01858 412412

Current hours:
Monday–Friday: 9:30am–3:00pm
Saturday: 9:00am–12:00pm

Open Branch in Google Maps

Desborough

33 Station Road
Desborough
Northamptonshire
NN14 2RL

Hours: Mon, Tue, Wed & Fri 9:30am–1:30pm. Thu & Sat closed.

Kettering

6–8 High Street
Kettering
Northamptonshire
NN16 8ST

Hours: Mon, Tue, Wed & Fri 9:30am–1:30pm. Thu & Sat closed.

Rothwell

27 Bridge Street
Rothwell
Northamptonshire
NN14 6JW

Hours: Tue, Thu & Fri 9:30am–1:00pm. Mon, Wed & Sat closed.

Kibworth

17 Station Street
Kibworth Beauchamp
Leicester
LE8 0LN

Hours: Tue, Thu & Fri 9:30am–1:00pm. Mon, Wed & Sat closed.

Official branch listMHBS Branch Addresses and Opening Hours

After opening this link:

  1. Choose the branch closest to you.
  2. Check the current opening days as several branches do not open five days a week.
  3. Check for temporary Bank holiday or service updates.
  4. Call ahead for a complicated account or mortgage task.
  5. Use the Market Harborough customer branch at Welland House for normal branch service rather than assuming Newcombe House provides the same counter facilities.

MHBS Fraud, Scam and Online Security Help

MHBS participates in the Take Five anti-fraud campaign and publishes specific guidance for phishing, vishing, smishing, QR-code scams and authorised push payment scams.

MHBS online-safety rules

  • Keep your customer number and account numbers safe.
  • Never disclose complete security details.
  • Do not share a One Time Passcode.
  • Avoid accessing the Online Service over public Wi-Fi.
  • Use Secure Messaging instead of ordinary email for account-specific information.
  • Log out properly after using Online Service.

Suspicious message or call?

  • Stop and do not rush.
  • Do not move money because an unexpected caller tells you to.
  • Type mhbs.co.uk into your browser yourself.
  • Call MHBS on a trusted published number.
  • If unsure whether a call is really from your bank, Take Five guidance also points to 159.
Think you have been scammed? Call MHBS immediately on 01858 412412. If the payment was sent from another bank, contact that bank immediately as well. Fraud can also be reported to the police or Action Fraud as appropriate.

Official security centreMHBS Helping You Stay Protected

After opening this link:

  1. If a suspicious payment is in progress, stop the transaction first.
  2. Read the scam type closest to what happened.
  3. Do not click a login link from an unexpected email or message.
  4. Use MHBS’s published telephone number or manually enter mhbs.co.uk into your browser.
  5. Keep evidence such as texts, emails, account details and telephone numbers.
  6. If money has already been sent, report the transaction promptly.

Market Harborough Building Society FSCS Protection

MHBS participates in the Financial Services Compensation Scheme. Its current 2026 depositor information states that eligible deposits are protected up to £120,000 per depositor, per bank, building society or credit union.

£120,000 Current standard protection limit per eligible depositor with MHBS.
Joint accounts Each eligible joint account holder normally has their own £120,000 standard limit, subject to FSCS rules.
Combined balances Eligible MHBS accounts are added together when applying the standard limit.
Example: if one eligible customer had £80,000 in one MHBS account and £50,000 in another, the combined £130,000 is not treated as two separate £120,000 limits. Current standard protection would generally apply to £120,000, subject to FSCS eligibility.

Official 2026 documentMHBS 2026 FSCS Information Sheet

After opening this link:

  1. Check the current £120,000 standard protection limit.
  2. Add together eligible deposits you hold with MHBS.
  3. Check whether every account and account holder is eligible.
  4. Keep your contact information with MHBS current so FSCS can act quickly if compensation is ever needed.
  5. For unusual ownership structures or very large temporary balances, check FSCS guidance directly.

How to Make a Complaint to Market Harborough Building Society

MHBS accepts complaints in writing, by email, by telephone or in person. A useful complaint explains the problem chronologically and makes clear what outcome you want.

Your account or mortgage reference.
Key dates in chronological order.
The branch or team already contacted.
Relevant statements, messages or screenshots.
The financial or practical impact.
The resolution you want MHBS to consider.
3 working days MHBS says it aims to resolve straightforward complaints within this period where possible.
8 weeks More complex complaints can take up to eight weeks for the Society’s formal response process.

Official complaintsHow to Complain to MHBS

After opening this link:

  1. Choose telephone, email, writing or in-person contact.
  2. Explain what happened in date order.
  3. Do not include passwords, One Time Passcodes or full security details.
  4. State the outcome you are asking MHBS to consider.
  5. Keep copies of everything you submit.
  6. If you receive a final response and remain dissatisfied, read the information about Financial Ombudsman Service escalation.

Market Harborough Building Society Contact Details

Customer Contact

Telephone: 01858 412412

Phone hours:
Monday–Friday
9:00am–5:00pm
excluding Bank holidays

General/savings email:
customersfirst@mhbs.co.uk

For personal or account-specific information, MHBS asks existing customers to use Secure Messages inside Online Service rather than ordinary email.

Current Website Head Office

Newcombe House
16 The Point
Market Harborough
Leicestershire
LE16 7QU

New mortgage enquiries:
directmortgages@mhbs.co.uk

Mortgage support:
mortgagesupport@mhbs.co.uk

Head Office Map
Freepost: for passbooks, cheques or eligible withdrawal instructions, MHBS publishes the exact freepost format FREEPOST MARKET HARBOROUGH BUILDING SOCIETY. Check the current official instructions before posting an original passbook or financial document.

Official contact pageContact Market Harborough Building Society

After opening this link:

  1. Choose telephone, secure message, email, post or branch depending on the task.
  2. Use Secure Messages for personal account information.
  3. Use customersfirst@mhbs.co.uk only for non-sensitive general or savings enquiries.
  4. Use the mortgage email relevant to a new enquiry or payment support.
  5. Check branch opening hours before travelling.

Common MHBS Account Mistakes to Avoid

Confusing customer number and account number Your Online Service customer number is not the same as the 11-digit savings account number used as a payment reference.
Omitting the bank-transfer reference The Society’s central sort code and account number need your personal MHBS account number as the reference.
Forcing a Confirmation of Payee mismatch If the payee check does not match, stop and verify the details before sending the money.
Using emergency money in a long notice account A 75-, 145- or 160-day account can leave you unable to access money when you need it quickly.
Assuming every fixed account permits a penalty withdrawal Some MHBS products prohibit withdrawals completely until maturity.
Moving ISA funds manually Use a formal ISA transfer when you want existing ISA savings to retain their tax-free status.
Ignoring mortgage switch dates If your existing deal is ending, check the 18th-of-the-month switch deadline and the date your new product will start.
Sending sensitive information by ordinary email MHBS asks existing customers to use Secure Messages for personal account information.

Which MHBS Service Channel Should You Use?

Task
Good starting route
When to change route
View savings
Online Service.
Call if access is suspended, the mobile number is wrong or account information is missing.
Account-specific question
Secure Message.
Call if urgent; secure messages can take up to three Working Days.
Open savings
Product page and online application where available.
Use a branch or post when the product is not available online.
Move savings
Online Service where product terms permit.
Use branch/post or serve notice where the product requires it.
New mortgage
Experienced regulated mortgage broker.
Contact MHBS if you need clarification about its specialist lending proposition.
Existing mortgage
MHBS Mortgage Team.
Use specialist payment support immediately if repayments are becoming difficult.

Related UK Building Society Guides

Compare another mutual when your priority is savings access, online account management, branch availability or mortgage servicing rather than simply the highest headline rate.

Nationwide Building Society: Mortgages, Savings & Help Coventry Building Society: Savings, Mortgages & Account Help West Brom Building Society: Savings, Mortgages & Online Services Monmouthshire Building Society: Savings, Mortgages & Account Guide

Official Market Harborough Building Society Resources

Use the official page that directly controls your task. Products, rates and service arrangements can change after this guide is reviewed.

MHBS Official Website MHBS Online Service Savings Accounts Current Savings Rates Regular Saver Accounts Cash ISAs Confirmation of Payee Mortgages Existing Mortgage Customers Mortgage Information & SVR Mortgage Payment Support Branches Fraud & Security Contact MHBS Complaints

How This Market Harborough Building Society Guide Was Checked

Official Online Service route checked.
Current authentication and One Time Passcode guidance reviewed.
Secure Messaging rules checked.
Online savings application requirements reviewed.
Current September 2026 savings rates checked.
Cash ISA products and £20,000 2026/27 allowance reviewed.
Confirmation of Payee payment details checked.
Current 3pm electronic-payment cut-off notice checked.
Mortgage proposition and broker route reviewed.
Current 7.24% Residential SVR checked.
Existing-borrower switch, port and further-advance guidance reviewed.
Mortgage payment-support guidance checked.
All five current branch addresses and hours checked.
Current £120,000 FSCS information checked.
Complaint process and timing checked.

Last meaningful editorial review: 13 September 2026. Interest rates, mortgage products and operational notices are deliberately treated as time-sensitive rather than permanent facts.

Independent Financial Information and Safety Notice

Building-society.org is an independent informational website. It is not Market Harborough Building Society, the Financial Conduct Authority, Prudential Regulation Authority, Financial Services Compensation Scheme or Financial Ombudsman Service.

This page cannot access an account, verify identity, transfer savings, approve borrowing, switch a mortgage or provide personalised financial advice. Use the official MHBS secure services whenever personal or financial information is required.

Verify before acting: savings rates, notice periods, ISA products, mortgage pricing, branch hours, payment cut-offs and service procedures can change. Confirm material decisions through the current official source.

Market Harborough Building Society FAQs

1. What is the official Market Harborough Building Society login?

The official MHBS Online Service is hosted at online.mhbs.co.uk. It can be reached directly or through the Online Service link on the Society’s official mhbs.co.uk website.

2. What do I need to use the MHBS Online Service?

Registered users use their own customer number and security details, which can include a password, memorable information and a One Time Passcode. MHBS sends authentication codes to the registered mobile number when required.

3. What is Market Harborough Building Society’s phone number?

The main published telephone number is 01858 412412. Standard phone-line hours are Monday to Friday from 9:00am to 5:00pm, excluding Bank holidays.

4. How do I pay money into an MHBS savings account?

For supported personal electronic payments, MHBS publishes sort code 20-49-16 and account number 70608386. Enter the account holder’s full name and use the 11-digit MHBS savings account number, without the /1 ending, as the payment reference.

5. What savings accounts does Market Harborough Building Society offer?

The current range includes regular savers, several notice accounts, Cash ISAs and other savings products. Availability changes frequently, so check the live savings and current-rates pages before applying.

6. Can I withdraw early from an MHBS notice or fixed account?

It depends on the exact product, and some accounts do not permit early access at all. For example, the current 75 Day Notice Account Issue 2 requires 75 days’ notice and says early withdrawals are not allowed even with a penalty.

7. Does Market Harborough Building Society offer mortgages?

Yes. MHBS specialises in mortgages for complex scenarios and bridging finance, generally available through experienced mortgage brokers. Existing borrowers receive direct support for switching, porting, further borrowing, overpayments and other mortgage tasks.

8. What is the current MHBS Standard Variable Mortgage Rate?

At this 13 September 2026 review, MHBS lists its Residential Standard Variable Rate at 7.24%, effective from 1 January 2026. Mortgage rates can change, so check the current mortgage-information page before making a decision.

9. How much FSCS protection do MHBS savings have?

Eligible deposits with Market Harborough Building Society are currently protected up to £120,000 per eligible depositor, subject to Financial Services Compensation Scheme rules. Eligible balances held with the same authorised firm are added together for the standard limit.

10. Is Building-society.org the official Market Harborough Building Society website?

No. Building-society.org is an independent information website. Use mhbs.co.uk and online.mhbs.co.uk for official applications, account access, transactions, mortgage instructions and personal information.

Leave a Comment