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Bath Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.71 (344 reviews)

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4.76

Based on 344 reviews, last reviewed 4th Dec 2025

38% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

Retirement mortgage with exceptional service Bath Building Society (Tim and the team) provided exceptional service from start to finish. The team was professional, knowledgeable, and genuinely su... Read more Reviewed on: 4th December 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

Bath Building Society have a range of mortgages for different borrowing needs.

Some of the specialist mortgages that Bath Building Society offer include student mortgages, rent a room mortgages and joint borrower, sole proprietor.

Bath Building Society mortgage reviews help you find out what it’s really like to be a customer. If you’ve used Bath Building Society before, you can also leave a review and share your experience.

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Bath Building Society Mortgages reviews (344)

Unique product range

A good range of products to fit the most unique set of requirements. Fantastic Reviewed on: 8th February 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. We do pride ourselves on providing great niche mortgage products to assist where we can. Ben Hutchings, Head of Mortgage Sales Response date: 9th February 2023

Remortgage

Very easy process to remortgage by btl over to Bath. My advisor was great throughout the process, he was very knowledgeable and professional. Reviewed on: 1st February 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: 2nd February 2023

Very helpful service

My chat request was answered very quickly, and clear answers were given. Nick was extremely helpful and pleasant. Reviewed on: 27th January 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. I'm glad Nick was able to assist you and will pass on your comments. Ben Hutchings, Head of Mortgage Sales Response date: 30th January 2023

Good product but time-consuming

The mortgage advisor at Bath (Ian Birch) was excellent and always responded immediately to any questions. I cannot rate him highly enough! Once the application was submitted however, the process became more arduous. For example my husband and I were asked for a signed gift letter, this had already been submitted. We were also asked for statements for an account that we didn’t have - turned out that this was our daughter’s account and the request should have been sent to her. It also wasn’t made clear at the initial application that screen shots would not be acceptable - if this had been stated it would have saved a lot of time. And the whole process took so long that we were requested to provide yet more bank statements as the ones that had been submitted were out of date! It also would have been helpful to be informed via email that our mortgage offer had been made, as with the postal strike it took several days to reach us and the sellers were getting anxious. Reviewed on: 12th January 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. I will pass on your kind comments to Ian. Please accept my apologies if we asked for information again and the time that it took to get you a mortgage offer. Sometimes it can be out of our hands but we are always looking at ways to speed up and improve our services with our customers. I wish you well for a speedy completion. Ben Hutchings, Head of Mortgage Sales Response date: 13th January 2023

Bit of a problem but sorted very quickly by talking to the right man!!

I had some problems getting documents I needed to do with my Buy to Let mortgages. This was due to either misunderstandings, or lack or knowledge or training. After several failed attempts I phoned Ben Hutchings who had helped me in the past, he put wheels in motion and sorted immediately even though it wasn't really his responsibility. Thank you Ben!!! Reviewed on: 11th January 2023

Reply from Bath Building Society Thank you for taking the time to share this feedback Paul. We know Ben will always go out of his way to help when he can so it's great to know that's appreciated, we'll definitely pass your comments on. Jo Gillow, Digital Communications Manager. Response date: 12th January 2023

Efficient, Helpful and Contactable

We have just completed our re-mortgage to the Bath Building Society. Our first very positive experience was that the mortgage deal we were offered in September '22 was the deal we now have in January '23 - a period when the mortgage market dramatically changed and where mortgage products and offers in principle were being withdrawn. We found the underwriting process efficient and thorough which is, frankly, reassuring. However, the stand out feature for us was the ability to communicate with members of the mortgage admin team, quickly, by telephone or email, who were able to deal with our enquiries there and then and when they couldn't actually got back in contact with us within a few hours with the answer. This has not been our experience with other financial institutions. It's also worth noting how friendly and courteous everyone we have come into contact with has been. Reviewed on: 5th January 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. This is great to hear. We do pride ourselves on being able to provide good service and that's the benefit of dealing with a small Society. Thanks again. Ben Hutchings, Head of Mortgage Sales Response date: 6th January 2023

Generally so so ...

The online chat function was brilliant and I got the answer I was looking for. However the experience I had setting up this mortgage was not great and my advisor complained formally. The issue generally surrounded the slow pace at which the application was reviewed and we almost lost out on our property. That said, the online chat was great and I hope my opinion continues to change. I appreciate it's a tricking time. Reviewed on: 5th January 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. Feel free to contact me on [email protected] if you wish to talk about the experience you had about the slow process. We are always looking to improve the way we work. I'm glad the online chat function was able to assist and this can be useful in busy periods. Thanks again. Ben Hutchings, Head of Mortgage Sales Response date: 6th January 2023

They got me a mortgage!

Tim Randall has been absolutely amazing and very professional! He kept me informed throughout the entire process, he was very efficient at getting back to me regarding any queries I had and went above and beyond to get my house re-mortgaged! I was able to re-mortgage at the most difficult time when deals were being pulled from the market, left, right and centre and interest rates were rising due to the bank of England rising their rates. I would 100% recommend Tim and Bath Building Society. Reviewed on: 28th December 2022

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. This is great to hear in a difficult and fast moving market. I will let Tim know accordingly and I know he will be grateful with your comments. Ben Hutchings, Head of Mortgage Sales Response date: 29th December 2022

Great pre-application service

All the information on the website was clear and the chat function on the website is really quick, easy and informative. Reviewed on: 16th December 2022

Reply from Bath Building Society Thank you for taking the time out and leaving this review. I'm glad the chat function was able to assist you. Ben Hutchings, Head of Mortgage Sales Response date: 19th December 2022

Innovative Product for our times

The severe shortages of rental accommodation in Edinburgh for my student son last April led me to search for a guarantor type mortgage. I found the 'buy for university' product and it ticked all the boxes. We were lucky to have Tim as our advisor and he was fantastic, any questions he responded promptly and kept us informed as the underwriter review dragged on a little bit. There were some restrictions to the mortgage which limited what we could buy. Eventually we found a place and our offer was accepted. The approval process took 8 weeks to complete from submission of the application. One suggestion for improvement would be in regard to the extra security, it was not clear to us what documents were needed and this caused some panic and delay post the mortgage offer. But a great product overall. Reviewed on: 16th December 2022

Reply from Bath Building Society Thank you for taking the time out and providing this review. I'm glad Tim was able to assist and kept you well informed. I will look into the documentation to see if we can improve anything and I'm grateful for the comments. We wish your son all the best in his studies. Ben Hutchings, Head of Mortgage Sales Response date: 16th December 2022

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