Welcome to MBS Lending

A lending division of the Melton Group

At MBS Lending (MBSL) we understand that not all mortgage applications are straightforward.  We consider a wide range of client profiles, so if your client has had difficulty in securing mortgage finance due to adverse credit history, we may be able to help.

MBSL is a responsible lender utilising a full affordability process to assess your client’s ability to repay a mortgage. We use a paper based application process with manual underwriting by our experienced underwriting staff.

MBSL works with the intermediary market through our association with brokers and packagers nationwide to help people buy their own homes.

We have a range of mortgage products to help your client repair their credit history which may show evidence of:

  • Missed payments
  • IVA or debt management
  • CCJs
  • Bankruptcy
  • Repossession
  • No minimum income required
  • First time buyers considered
  • New build flats considered
  • Debt management plans considered with minimum 6 months satisfactory conduct
  • Gifted deposits from family considered

Impaired Credit History

Under regulatory rules borrowers with an impaired credit history are those who meet any one of the following conditions:

  • Arrears on a previous (or current) mortgage or other secured loan within the last two years, where the cumulative amount overdue at any point reached three or more monthly payments;
  • Arrears on a previous (or current) unsecured loan within the last two years, where the cumulative amount overdue at any point reached three or more monthly payments;
  • One or more county court judgement (CCJs), with a total value greater than £500, within the last three years;
  • Being subject to an Individual Voluntary Arrangement (IVA) within the last three years;
  • Being subject to a bankruptcy order at any time within the last three years.
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Information for Brokers

Existing Customers

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Information for Solicitors

Information for Solicitors

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Get In Touch

Pre-application enquiries please call the broker support team on 01664 414144

Applications being processed please call the lending team on 01664 414141

Contact us by email

Simply fill in the form and we'll get back to you.

Submission Options

All products are available through:

  • Brokers direct to MBSL
  • Packagers

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All applications require a DIP

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