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Bath Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.68 (296 reviews)

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4.67

Based on 296 reviews, last reviewed 24th Apr 2025

300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

86%

Latest highest rating:

5

BBS were great for our guest house mortgage Bath Building Society was very flexible and set up a mortgage for our guest house. All the other lenders we approached (Lloyds, Natwest, Halifax etc.)... Read more Reviewed on: 24th April 2025

Latest lowest rating:

1

My mortgage process was delayed because essential qu... My mortgage process was delayed because essential questions were not asked promptly by Bath at the outset. This delay ended up costing me over £1000 d... Read more Reviewed on: 24th April 2025

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About this product

Are you looking for the right mortgage to secure your dream home? We collect Bath Building Society mortgage reviews to help you make an informed decision when choosing your mortgage lender.

Bath Building Society is a mutual organisation that offers a variety of mortgage products. It’s important to fully understand the terms, conditions and interest rates of a mortgage product. If you’re unsure, always consult the lender or an advisor.

If you’re interested in a mortgage with Bath Building Society, check out our reviews to learn more about the lender. Find out what products existing borrowers have taken out and how satisfied they are with it. Learn more about the application process, and how supportive Bath Building Society was throughout. Find out more about the member benefits available. All of this and more can be found in our Bath Building Society mortgage reviews.

Have you had a Bath Building Society mortgage? Share your experience with others on Smart Money People. Tell us about the application process: was it simple to understand and did the lender support you well? Share any experience you have had with the customer service team. Have you encountered any problems throughout your mortgage term? Whether good or bad, write a Bath Building Society mortgage review today. Together, we can help people like you make better financial decisions.

Bath Building Society Mortgages reviews (296)

Review of the Bath Building Society, Mortgages:

Easy and quick online chat would use again.

Easy and quick online chat would use again. Reviewed on: 26th January 2024

Reply from Bath Building Society Hi Jack, thank you for taking the time out and using our online chat facility. This is great to hear and glad you will use it again. Ben Hutchings, Head of Intermediary Mortgage Sales. Response date: 2nd February 2024

The Superstars at Bath Building Society

I have been a loyal customer of Bath Building Society for several years. In my opinion, the Bath Building Society is the epitome of excellence. I believe the staff must all be Superstars as the work they do is truly amazing. If you want the best then use Bath Building Society. Reviewed on: 25th August 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this review. This is great to hear especially from an existing customer like yourself. We will continue do the best we can to provide this level of service all the time. Ben Hutchings, Head of Mortgage Sales. Response date: 29th August 2023

Excellent customer service

We've had a buy to let mortgage with Bath Building Society for 5 years and found them very easy to deal with and very customer and service focussed: hard to find these days. Reviewed on: 18th August 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. We do take it very seriously in looking after our customers and providing good service. It sounds like you are having a good experience with us. Thanks again. Ben Hutchings, Head of Mortgage Sales Response date: 21st August 2023

webchat service is great help

great speedy service from webchat. Reviewed on: 17th August 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. This is great to hear. Ben Hutchings, Head of Mortgage Sales Response date: 18th August 2023

Excellent Communication

Tim R. has been fantastic - always so willing to answer any questions I have, no matter how big or small, and is always quick to reply. This is definitely making the process a lot less daunting than it otherwise would be for a first-time buyer like myself! Reviewed on: 11th August 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. This is great to hear. I know Tim makes every customer journey as best as possible. I will forward this on to him and I know he will be pleased. Ben Hutchings, Head of Mortgage Sales Response date: 14th August 2023

Very easy mortgage process

The mortgage advisor Tim was very helpful and made the process easy for us, I would recommend them without hesitation. Reviewed on: 24th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. I will pass this on to Tim and thank you for the recommendation. Ben Hutchings, Head of Mortgage Sales. Response date: 25th July 2023

Very slow process, lots of obstacles.

While we are delighted to work with a local business and to be issued with a mortgage, the process took nearly 7 months. We hoped to complete end of May, and we've completed end of July. This means our family will be without a home for 2 months while building work is carried out, impinging on our 10 year old and 13 year old's school term. I understand the need to scrutinise our finances and to ensure the property will be worth it's value, but we are both in well paid jobs, with an extra property as additional security and we sought a 50% mortgage, with the remainder in cash. I would hope that we represent attractive customers with this kind of LTV. The property is clearly a good deal, given that most refurbished properties on the street go for £1.2 million In spite of this, our finances were scrutinised to a level we've not seen from prior lenders, asking about individual lines on our bank statements and the cost of my train tickets to London. The survey was deeper than normal, taking up extra time.. BIBS is retaining 5% while we complete the work: we are buying the house to do the work, in order for a young family to live in. We have no choice but to do the work. Finally, at the last minute, we were asked to submit approved building regs, prior to work starting. Given that building regs can only be formally approved AFTER the work is complete. This added a further 4 week delay. Our solicitor, building control and agent, have never seen in a process like this, and they all have over 20 years experience. I completely understand the vital nature of financial control and the avoidance of taking on a risk that would expose the financial system, but I cannot see the value of this level of scrutiny given our financial situation and the property. We have respected your conditions throughout, but it's caused a huge amount of anxiety in our house which appeared entirely unnecessary. In future, I would suggest that some of these conditions are laid out earlier in the process, we could have ensured we were ready for the extra scrutiny, and secure building control approval much earlier. Some of the lead times in communications could be speeded up. I would suggest we could have completed in May, had there been improved communication and expectations set clearly in advance. Again, I am delighted to be able to support a local business and I'm delighted that we have a mortgage in place: thank you. Reviewed on: 21st July 2023

Reply from Bath Building Society Thank you for your feedback. I am sorry that you feel the process was unduly prolonged. Each application is underwritten on an individual basis, some being more complex than others. If you would like to discuss your experience in more detail, please do contact me at [email protected] Kind regards, Nicola Rees, Head of Mortgage Operations Response date: 25th July 2023

Bot 0 - Nick 1

Bea still needs some training but, thanks to Nick, I got the information I needed. Not what I wanted but clear and understandable criteria guidance. Saved time waiting for a call to be answered. Reviewed on: 21st July 2023

Reply from Bath Building Society Thank you for taking the time and providing this feedback. Yes we are currently carrying out further training in the background with bea so hopefully in due course the scoring will be leveled up! Glad Nick was able to assist in the meantime. Thanks again. Ben Hutchings, Head of Mortgage Sales Response date: 24th July 2023

Always wonderful service

Always wonderful service, super friendly and I like that they are local. Reviewed on: 19th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. I will forward this across to the team and they will be pleased. Glad you have received a good service from us. Ben Hutchings, Head of Mortgage Sales Response date: 20th July 2023

Fantastic service

Can't complain, always been treated well and it's easy to contact if needed. Reviewed on: 19th July 2023

Reply from Bath Building Society Thank you Jacob for taking the time out and leaving this feedback. This is good to hear. Ben Hutchings, Bath Building Society Response date: 20th July 2023

So quick on Instant Chat

Immediate response from the agent - Called Nick. Answered all my Questions relating to BTL Mortgage. Reviewed on: 19th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. This is great to hear. Ben Hutchings, Head of Mortgage Sales Response date: 20th July 2023

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