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.
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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
We're working on adding live mortgage rate information for Bath Building Society. In the meantime, visit their website for the latest rates.
View rates on Bath Building SocietyApplication 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?
Does Bath Building Society offer self-build mortgages?
What is the maximum LTV from Bath Building Society?
Can I apply to Bath Building Society through a broker?
How to Apply
Direct & Broker Access
You can apply directly with Bath Building Society or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Bath Building Society Broker?
Find FCA-regulated mortgage brokers who have Bath Building Society on their lender panel.
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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.