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Coronavirus - Help us to help you

Due to the current COVID-19 outbreak, we have temporarily reduced our opening hours. Our Principal Office is currently open Monday to Friday, 9am to 3.30pm and Saturdays 9am to 12 noon. Please be patient with us while we work hard to minimise the impact of COVID-19 on our services. We apologise for any inconvenience this may cause.

Thank you for your patience.

MBS Lending

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.

How to register

If you haven’t already done so, please register for the Melton group online via our main broker site www.themeltonbrokers.co.uk. We will acknowledge your registration within 4 working hours and once accepted, you can then send in your paper based DIP & Application forms.

Click here for latest product guide

Information for Brokers

Existing Customers

Find out more

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

For our current service performance please

Click here

All applications require a DIP

Click here


Due to exceptional circumstances meaning valuers are currently unable to perform their duties, we will not be accepting any new applications at MBS Lending during this time.

We apologise for any inconvenience this may cause and hope to be reinstating our services as soon as possible.

For any enquiries, please contact our Broker Support team on 01664 414144.

Thank you,
MBS Lending