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The information on this webpage is for the use of professional intermediaries only.

For existing MBS Lending customers please click here

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MBS Lending is now online

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 work with the intermediary market through our association with brokers 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:


Current Service Levels

To keep you fully informed of our service levels we update our current performance daily so that you can feel confident when dealing with us.

2 Days

Current response time
for DIP referrals

3 Days

Current timescales to complete
initial review of applications
(once fully packaged)

32 Days

Average application to offer

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.

Following the Bank of England Base Rate increases, our Standard Variable Rate is due to increase from 6.00% to 6.40% with effect from 1st June 2022.

Please also bear with us as our telephone lines will be busier as we help our customers

Branch opening hours’ notice – Our branches in Melton, Grantham and Oakham will be closed from Thursday 2nd June 2022 and will reopen Monday 6th June 2022