Melton Building Society: Savings, Mortgages & Account Guide
People searching for Melton Building Society usually want a practical route rather than a corporate overview: log in to an online savings account, compare a current savings rate, transfer a Cash ISA, work out how to fund an account, find a local branch, arrange a mortgage or deal with an existing Melton mortgage.
The Melton is particularly easy to misunderstand because its legal name remains Melton Mowbray Building Society, while the customer-facing brand is usually shown simply as the Melton or Melton Building Society. It also combines a five-branch regional network with nationally available online savings and mortgage services.
Meaningful editorial review: 16 September 2026. Savings products, mortgage rates, branch hours, online processes and account availability can change. Re-check the current official Melton page before applying, transferring money or changing a mortgage.
Melton Building Society: Quick Answers
What Do You Need From Melton Building Society?
Start with the task, because Melton’s branch, postal, online savings and mortgage services are related but not interchangeable.
Use the official online savings service for supported digital accounts and eligible existing savings access.
Open online guidanceChoose by access, notice period, minimum balance, maturity date and management method as well as AER.
Open savings guidanceCheck the exact ISA issue because different Melton ISAs have different transfer and withdrawal rules.
Open ISA guidanceMelton publishes routes for first-time buyers, remortgaging, self-build, Buy to Let and other cases.
Open mortgage guidanceExisting borrowers have a separate retention route and can currently reserve a new product before their deal ends.
Existing borrower helpUse the current branch finder for Melton Mowbray, Grantham, Oakham, Bourne or Stamford.
Branch detailsWhat Melton Building Society Does
The Melton is a mutual building society based in Melton Mowbray, Leicestershire. Its roots date to 1875, and its traditional purpose remains visible today: taking savings deposits and providing mortgage lending while operating for members rather than external shareholders.
Its current proposition is broader than a purely local society. Customers can use branches across Leicestershire, Lincolnshire and Rutland, while online savings and mortgage services reach customers much further afield.
Official MeltonMelton Building Society Official Website
After opening this link:
- Choose Savings, Mortgages or Online Login according to your task.
- If comparing savings, open the individual account rather than relying on an older rate table.
- If you already have a mortgage, use the Existing Mortgage Customers route.
- Use Branch Finder for face-to-face services rather than assuming the Main Office is the correct counter.
- Check the browser address before entering account information.
Melton Online Savings Login and Account Access
Melton’s online savings service is designed for supported savings accounts rather than everyday current-account banking. Existing passbook customers can also register for online viewing where their account is eligible.
Online savings operate through a nominated external bank or building society account held in your own name. That nominated account is particularly important for funding and withdrawals.
Official online serviceOpen Melton Online Savings
After opening this link:
- If already registered, use your own online savings credentials.
- If you have not registered, return to the official Melton website and use its How to Register instructions.
- Enter security information only on the genuine secure service.
- Check the account name and balance before requesting a transaction.
- Log out after finishing, particularly on a shared device.
Melton Online Savings Rules Worth Knowing Before You Apply
Melton Building Society Savings Accounts
The Melton’s savings range covers several different needs. Before comparing rates, decide whether the money is emergency cash, longer-term savings, tax-free ISA money, regular monthly saving or money you can lock away.
Official savingsMelton Savings Accounts
After opening this link:
- Choose easy access, notice, fixed rate, ISA, children’s, regular or online savings.
- Open the current product rather than an older closed issue.
- Check AER together with the minimum and maximum balances.
- Read the “How do I manage and open my account?” section.
- Read the withdrawal conditions before depositing money you may need quickly.
- Download or retain the product terms for an important deposit.
Melton Savings Rate Snapshot: 16 September 2026
The examples below come from Melton’s current rate information and live product pages during this review. They are useful for showing the trade-off between access and rate, but they should not be treated as permanent offers.
Official ratesCurrent Melton Savings Interest Rates
After opening this link:
- Find the category matching your account.
- Check the effective date shown for the rate.
- Match the exact account issue number.
- Open the product page to confirm whether applications remain open.
- Compare access rules as well as AER.
Melton Cash ISAs and the 2026/27 ISA Allowance
Melton currently offers easy-access, notice and fixed-rate Cash ISA structures. The overall adult ISA subscription limit for the 2026/27 tax year is £20,000, but the individual Melton product determines how you can access or transfer the money.
Official ISA hubMelton Tax-Free Savings
After opening this link:
- Choose the ISA product with the access profile you need.
- Check whether the issue is open to new customers.
- Check the minimum opening amount.
- Read whether transfer-ins from another ISA are accepted.
- If transferring an existing ISA, use Melton’s ISA transfer process rather than withdrawing the money into a normal current account.
Official UK rulesGOV.UK Individual Savings Accounts
After opening this link:
- Confirm the annual ISA subscription limit for the current tax year.
- Check UK residence and age requirements.
- Review how subscriptions can be split across ISA types.
- Use current government rules for tax limits and Melton’s own Summary Box for the account conditions.
How to Open a Melton Savings Account
Application routes differ by account. Melton has online savings accounts, but it also continues to use branch and postal applications for many products.
Paying Money Into a Melton Savings Account
The correct payment method depends on the account. Online products use a nominated-account structure, while traditional accounts can support other methods according to the individual product terms.
Official payment helpPaying Into a Melton Account
After opening this link:
- Find the payment instructions for your exact account type.
- Verify the payee and reference details.
- For an online account, check the nominated-account rule before sending funds.
- Keep your bank’s payment confirmation until the deposit appears.
- If anything does not match, call 01664 414141 before sending the money.
What Happens When a Melton Fixed-Term Account Matures?
Melton says it contacts customers before a fixed-rate savings account reaches maturity and provides options for what happens next. Those options can include reinvesting, transferring to another existing Melton savings account or withdrawing the balance.
Current fixed-rate product information also explains that where Melton receives no instruction, the money can default into a 30 Day Notice account. A short post-maturity window may then allow withdrawal without the usual notice condition.
Official maturity helpSubmit Melton Maturity Instructions
After opening this link:
- Check the maturity date of your fixed account.
- Read Melton’s maturity communication.
- Compare the reinvestment accounts currently available.
- Decide whether to reinvest, move to another Melton account or withdraw.
- If the maturing product is an ISA, use the correct ISA process if moving to another provider.
- Save confirmation of your instruction.
Melton Building Society Mortgages
The Melton’s mortgage range covers more than standard first-time-buyer borrowing. Its website currently provides routes for first-time buyers, remortgaging, self-build and renovation, Buy to Let, Shared Ownership, interest-only cases and credit-repair circumstances.
Melton also promotes Melton Mortgage Solutions, an advice service that can compare mortgages from a wide panel of lenders. That is a different proposition from taking a mortgage directly with Melton Building Society, so check which service you are using before assuming the recommended lender will be Melton itself.
Official mortgagesMelton Mortgage Services
After opening this link:
- Choose first-time buyer, self-build, Buy to Let, Shared Ownership, remortgage or another relevant category.
- Check whether you are looking at a direct Melton product or wider-market mortgage advice.
- Review LTV, fees and eligibility before focusing on the headline rate.
- Ask for a personalised mortgage illustration before committing.
- If you already have a Melton mortgage, use the Existing Mortgage Customers page instead.
Existing Melton Mortgage: Product Switch, Porting and Further Borrowing
Existing borrowers have a different set of options from someone applying for a brand-new mortgage. Melton currently says qualifying borrowers may be able to switch to another Melton mortgage product without the application fee, legal fee or valuation fee that can arise on a completely new mortgage.
Official existing borrower helpExisting Melton Mortgage Customers
After opening this link:
- Check when your current mortgage deal ends.
- Review the product-switch options sent by Melton.
- Compare the new rate, monthly payment and Early Repayment Charge.
- Call the Mortgage Retentions Team if you want help reviewing Melton’s retention options.
- If you are changing term, repayment method or borrowing amount, expect additional checks to be possible.
Melton Building Society Branches, Addresses and Opening Patterns
Melton currently lists five customer branches. Grantham opens on Saturday mornings, while Oakham, Bourne and Stamford currently operate Monday to Friday only. Use the branch finder for the latest Melton Mowbray hours and any temporary changes.
Melton Mowbray Branch
18 Nottingham Street
Melton Mowbray
Leicestershire
LE13 1NW
Phone: 01664 480214
Check the individual branch page for today’s opening hours before travelling.
Grantham Branch
48 High Street
Grantham
Lincolnshire
NG31 6NE
Phone: 01476 564528
Current hours: Mon–Fri 9:00am–3:00pm; Saturday 9:00am–12:00pm.
Oakham Branch
23 High Street
Oakham
Rutland
LE15 6AH
Phone: 01572 757911
Current hours: Mon–Fri 9:00am–3:00pm; weekends closed.
Bourne Branch
1 North Street
Bourne
Lincolnshire
PE10 9AE
Phone: 01778 301556
Current hours: Mon–Fri 9:00am–3:00pm; weekends closed.
Stamford Branch
49 High Street
Stamford
Lincolnshire
PE9 2BD
Phone: 01780 431061
Current hours: Mon–Fri 9:00am–3:00pm; weekends closed.
Melton Main Office
Address:
Mutual House
Leicester Road
Melton Mowbray
Leicestershire
LE13 0DB
Main phone: 01664 414141
For routine customer branch transactions, the Nottingham Street branch may be the appropriate Melton Mowbray location rather than the administrative Main Office.
Official branchesMelton Branch Finder
After opening this link:
- Choose Melton Mowbray, Grantham, Oakham, Bourne or Stamford.
- Open the individual branch page.
- Check today’s opening hours.
- Review accessibility facilities if required.
- Use the directions link for parking and route planning.
- Remember that branches and offices are closed on Bank Holidays, including Good Friday.
Melton Building Society FSCS Protection
Melton’s current 2026 savings product pages state that eligible deposits are protected by the Financial Services Compensation Scheme up to the current standard limit of £120,000 per eligible depositor.
Melton Account Security and Scam Checks
Treat an unexpected request to reveal credentials, move money urgently or install software as a security warning. Even when a caller knows your name or account provider, independently verify the contact through the official Melton website.
Pause if someone asks for
- Your complete online savings password.
- A one-time security or authentication code.
- A transfer to a new account because your existing savings are supposedly unsafe.
- Remote access to your computer or phone.
- New bank details supplied only through an unsolicited message.
If something looks wrong
- Stop the payment or conversation.
- Use the official Melton contact number.
- Keep suspicious messages and payment information.
- Change compromised passwords through the genuine service.
- Check your account for transactions you do not recognise.
Official securityMelton Security Information
After opening this link:
- Compare the suspicious contact with Melton’s current security advice.
- Do not continue a transfer while you are trying to verify a caller.
- Use an official telephone number rather than the number contained in a suspicious message.
- If credentials may have been exposed, contact the Society promptly.
Common Melton Building Society Mistakes to Avoid
Who Melton Building Society May Suit
The Melton may be worth considering if
- You value a regional mutual building society.
- You live near one of its five branches.
- You want a choice of online, branch or postal savings products.
- You need fixed, notice, ISA, children’s or business savings.
- You are considering a self-build or less-standard mortgage case.
- You value direct support for an existing mortgage.
Compare alternatives carefully if
- Your only priority is the highest UK savings rate.
- You need a full current account for everyday banking.
- You want every savings account to be instant-access.
- You need a nationwide branch network.
- A mainstream mortgage lender offers materially lower total costs for your case.
- You prefer all account servicing to take place inside one mobile app.
Related Building Society Guides
These published guides are useful if you want to compare another regional mutual with a different branch footprint, digital savings model or mortgage proposition.
Official Melton Building Society Resources
Use the official page controlling your task because rates, issue availability, mortgage products, branch hours and account procedures can change.
How This Melton Building Society Guide Was Checked
Review date: 16 September 2026. Savings and mortgage figures above are dated where appropriate and are not presented as permanent product terms.
Independent Financial Information and Safety Notice
Building-society.org is an independent informational website. It is not Melton Mowbray Building Society, Melton Mortgage Solutions, the Financial Conduct Authority, Prudential Regulation Authority, Financial Services Compensation Scheme or Financial Ombudsman Service.
This page cannot access an account, verify your identity, transfer savings, approve borrowing or provide personalised regulated financial advice.
Melton Building Society FAQs
1. Is Melton Building Society the same as Melton Mowbray Building Society?
Yes. The legal name is Melton Mowbray Building Society, while the Society commonly uses the customer-facing brand “the Melton” or “Melton Building Society”.
2. What is the official Melton Building Society online login?
Use the Online Login link on the official themelton.co.uk website. The Society currently routes customers to its secure online savings platform for supported online accounts.
3. What is the Melton Building Society phone number?
The main published telephone number is 01664 414141. Individual branches and the Mortgage Retentions Team also have separate telephone numbers for specific services.
4. Where are Melton Building Society branches?
The current branch network includes Melton Mowbray, Grantham, Oakham, Bourne and Stamford. The Main Office is at Mutual House, Leicester Road, Melton Mowbray and is separate from the Nottingham Street customer branch.
5. What savings accounts does Melton Building Society offer?
The current savings range includes easy-access, notice, fixed-rate, regular, limited-access, Cash ISA, children’s, online and business savings products. Exact issues and rates change frequently.
6. How do Melton online savings accounts work?
Supported online savings accounts use a nominated UK bank or building society account held in the saver’s name. Electronic deposits and withdrawals are normally routed through that nominated account according to the individual product terms.
7. Does Melton Building Society offer mortgages?
Yes. Melton provides mortgage routes for first-time buyers, remortgaging, self-build and renovation, Buy to Let, Shared Ownership and other circumstances. Its wider group also provides mortgage-advice services that can compare multiple lenders.
8. When can an existing Melton mortgage customer switch to another deal?
Melton currently says eligible existing borrowers can transfer to a new mortgage product up to three months before the current deal ends. It normally writes about five months before expiry to explain available options.
9. How much FSCS protection do Melton savings have?
Current Melton product information states that eligible deposits are protected up to £120,000 per eligible depositor under standard Financial Services Compensation Scheme rules. Older Melton documents may still display the previous £85,000 limit.
10. Is Building-society.org the official Melton Building Society website?
No. Building-society.org is an independent informational website. The official Melton website is themelton.co.uk. Use the official website and secure online service for applications, account access, transactions and personal information.