Bath Building Society
Building SocietyBath Building Society is an independent mutual offering residential and self-build mortgages with a focus on individual underwriting. They are particularly known for lending on non-standard construction properties and helping borrowers whose circumstances sit outside mainstream lender criteria.
About Bath Building Society
Bath Building Society was founded in 1904 and has its headquarters in Bath. The society is an independent mutual with no shareholders, offering residential and self-build mortgages. Bath is particularly known for lending on non-standard construction properties and helping borrowers whose circumstances sit outside mainstream lender criteria.
Bath Building Society focuses on individual underwriting, considering each case on its merits. The society has developed expertise in non-standard construction and complex borrower circumstances. Bath serves customers through its branch network and broker partners.
Bath Building Society is regulated by the FCA and PRA and is a member of the Building Societies Association. The society has built a niche reputation for flexibility and a willingness to consider applications that other lenders would decline.
Lending Focus
Bath Building Society offers mortgage products across 2 categories including Residential, Self Build.
Key Features
- Self-build and custom-build mortgage specialist
- Lending on non-standard construction properties
- Primarily broker-distributed with direct availability
- Individual underwriting for each application
- Residential mortgages up to 85% LTV
Pros & Cons
Pros
- Self-build and custom-build mortgage specialist
- Lends on non-standard construction properties that others decline
- Individual underwriting for every application
- Independent mutual with member-focused ethos
Cons
- –Lower maximum LTV of 85% compared to larger lenders
- –Small building society — limited brand recognition
- –No bridging, BTL, or commercial products
Fees & Charges
- Arrangement Fee
- Typically £499–£999 — varies by product
- Valuation Fee
- Varies by property value — quoted at application
- Early Repayment Charge
- Typically applies during fixed-rate period — varies by product
- Overpayment Allowance
- Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon. View rates on Bath Building Society
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–6 weeks from application to offer
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 months from date of offer
Lending Criteria
- Maximum LTV
- 85%
Frequently Asked Questions
Does Bath Building Society lend on non-standard construction?
Yes, Bath Building Society is particularly well-known for lending on non-standard construction properties such as timber frame, steel frame, and other unusual building types.
Does Bath Building Society offer self-build mortgages?
Yes, Bath Building Society specialises in self-build and custom-build mortgages, making them a popular choice for people building their own home.
What is the maximum LTV from Bath Building Society?
Bath Building Society offers residential mortgages up to 85% LTV, which is slightly lower than some mainstream lenders.
Can I apply to Bath Building Society through a broker?
Yes, Bath Building Society accepts applications through brokers as well as direct to consumer, though they are primarily broker-distributed.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Ecology Building Society | Residential, Self Build | Building Soc. | 85% |
| Scottish Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 90% |
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Cumberland Building Society | Residential, Buy-to-Let | Building Soc. | 90% |
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
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