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Bath Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.79 (380 reviews)

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4.79

Based on 380 reviews, last reviewed 3rd Mar 2026

157% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I've held at mortgage with Bath BS for some years. I've held at mortgage with Bath BS for some years. My current deal was coming to an end, I was advised of the current offers, one of which I accepted.... Read more Reviewed on: 3rd March 2026

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 (380)

Great service!

Although I wasn't able to get all of the answers I required immediately, Oliver had no hesitation in providing me with details to contact him via email where he would be able to help me further with my query. It gave me confidence that I would always have help when needed from Bath Building Society Reviewed on: 20th July 2022

Reply from Bath Building Society Thank you for the feedback and glad Oliver could help you with your query. Ben Hutchings, Head of Mortgage Sales Response date: 21st July 2022

mixed bag

Tim, the advisor was brilliant; available, supportive and prepared to listen and respond flexibly. The staff are all very pleasant and available. However, we encountered difficulties with the underwriters, who made things hard going and all innovation for solutions to the problems we encountered had to come from us. They seemed to be overly cautious and, in our view, a bit tick boxy in approach. We were required to undertake legal advice for three adult kids and ourselves which didn't tell us anything we didn't already know (I'm trained as a lawyer!) at a cost of nearly £1000 when the advice for the kids could be summarised; you have no rights now but this charge means you are signing away your non-existent rights! If we hadn't been under so much time pressure in the purchase I think we probably would have sought a different provider (despite Tim). Reviewed on: 16th July 2022

Reply from Bath Building Society Thank you for taking the time to review our service, we appreciate your feedback and will pass your comments on to Tim. I'm sorry that you felt our approach was ‘tick boxy’. We offer an individual approach to underwriting (we don’t use automated credit scores) so we can remain flexible when dealing with our mortgage cases. You mention the requirement to obtain independent legal advice was unnecessary. In this type of case, when not all parties to the mortgage are beneficial owners of the property, it is a requirement that all borrowers are fully informed of their legal rights and obligations under that contract. In some cases, the acting Solicitor may decide it is unnecessary to provide such advice, for example, if the borrower is legally trained. The Solicitor then has the right to let us know and waive their right to ILA. Craig Brown, Head of Underwriting & Credit Management. Response date: 18th July 2022

Broker Support

Nick was great along with Adam, very supportive and knowledgeable Reviewed on: 6th July 2022

Reply from Bath Building Society Thanks for taking the time to give us your feedback, we'll definitely be passing it on to Nick and Adam, Ben Hutchings, Head of Mortgage Sales. Response date: 8th July 2022

great service

Efficient, helpful, great service being received on my urgent case. Reviewed on: 1st July 2022

Reply from Bath Building Society Thank you for taking the time out to give us this feedback, I will pass on to the team. Ben Hutchings, Head of Mortgage Sales. Response date: 2nd July 2022

very helpful info via online chat

Very help via online. able to answer my questions efficently Reviewed on: 1st July 2022

Reply from Bath Building Society I am glad that we were able to help and hope that we can help you in future when needed. Colin McDougall, Chief Commercial Officer. Response date: 2nd July 2022

Slow, convoluted, backward process

I am a property developer and investor who is well versed in the world of mortgages and have in excess of £30m funds currently borrowed. This one simple transaction undertaken with BBS was by far the most ridiculous process I have ever had the misfortune of being involved with. Nearly 17 weeks for a simple remortgage is really, very unimpressive. Reviewed on: 29th June 2022

Reply from Bath Building Society I am sorry that you feel let down by the service you have been given. Without knowing your name or having your contact details it is difficult to respond or follow this up. Should you want to make this a formal complaint then you can find out how to do this on our website by clicking on the 'we're here to listen' link on the bottom of every page on our website. Alternatively, if you would like me to follow this up, you can email me directly at [email protected]. Colin McDougall, Chief Commercial Officer. Response date: 2nd July 2022

WARNING WARNING AVOID AVOID

WARNING WARNING AVOID AVOID Do not let these people loose you your dream home which is happening to me right now because of them. More so in this time of such high demand for homes where the seller has their choice of buyers and you are lucky if your offer is the one accepted. You need a mortgage provider that will give you a decision either way as soon as possible not one that will delay you for weeks and then decline you for a reason they knew about in the first place which has just happened to me with Bath leaving me having to start again with another lender and a impatient seller wanting answers. It's a nightmare. We as mortgage seekers are advised not to have multiple applications going at once so it is imperative that the provider we choose respects our situation and the trust we have put in them. One of these unfortunately is not Bath. They've got the slogans but do not live up to them and have been a complete frustration and hinderence to me with every question they asked being answered immediately and them taking days to get back each time and if the seller doesn't wait for me Bath will be the sole reason why I have lost my much needed purchase. No matter how they respond to this with - they needed more info - or whatever, it is all rubbish because all further questions were answered perfectly satisfactory and they have fundamentaly given the reason of decline as something they knew of from the start and there is simply no excuse for time wasting like this when customers are on the clock already with some of the biggest decisions and stress in their lifes. Don't let them ruin things for you. Good luck UPDATE (05/07/2022): Wow, this place really is the pits. They will leave you high and dry without a care .They came back with nothing but more bath b s but the main showstopper with these people is that they will blatantly refuse you a mortgage on something that their own criteria list says is acceptable and if you've arrived at them through a broker then bath have lost you the money you've paid the broker too. When you can't trust what a building society has in black and white there is a serious problem. It's like they're a law unto themselves being a small backstreet like building society which they try to sell as a good thing but you don't get Barclays going back on what it says in the window do you. Don't give them the chance to do it to you. Now I go to the ombudsman because this behaviour can't be allowed to continue UPDATE (06/07/2022): That does sound so good for everyone that Bath will cooperate fully with the ombudsman seeing though they have no choice and I've been nothing but fobbed off with bath's responses that have not addressed at all the main charge of declining me a mortgage on facts that their criteria list says are acceptable and not even doing it when they first knew of these facts but wasting weeks of my valuable time and putting at risk my purchase and don't worry I hereby give you permission to discuss my case on this public forum because i'm the one with nothing to hide so let's go, explain to the people how you don't adhere to what you have in black and white. You make out You're on this transparency kick with such a comprehensive alphabetical criteria list that customers and brokers can work by which would be great if you honoured it so either honour it or delete it, which will it be ? UPDATE (07/07/2022): "Very simple"! Lol, maybe for you but not for your customers. 1."We have criteria requirements to follow" We know, you publish them and a large respected London brokerage agrees I'm a pass according to it. 2. "Affordability checks to follow" My monthly mortgage payment would be 28% of my gross income with no dependents or debt and very frugal outgoings so is that a affordability decline at Bath is it so customers know ? UPDATE (08/07/2022): I'm glad everyone can see what I've had to put up with off of this shower. Have a word at the some lenders this and some lenders that round in circles till you're dizzy and still haven't answered the simple question about themselves. Not one straight answer comes back off of these people from fair questions and I just ask myself why, And I was putting down 25% deposit so when they recon they're looking out for their members, they're not if they're turning good business away. Something isn't right there Reviewed on: 28th June 2022

Reply from Bath Building Society Thank you for your feedback Mr. Murphy. This probably not an appropriate place to discuss your mortgage application. As such. I have passed your comments on to our Head of Underwriting who is going to look after this complaint and ensure that it is responded to appropriately. You should expect a formal response in writing within the next few days. Colin McDougall, Chief Commercial Officer. UPDATE (06/07/2022): Thank you for your feedback Mr Murphy. We have already responded to your complaint in writing and followed this matter up with several emails. It is not appropriate for us to comment on your complaint in a public forum but we respect your right to take this matter up with Ombudsman who we will fully co-operate with. Colin McDougall, Chief Commercial Officer. UPDATE (07/07/2022): It is very simple. As a lender we lend responsibly. We have criteria requirements to meet and affordability checks to follow. In your case our underwriters did not believe you to be a good credit risk. As such your mortgage application was declined. That decision is final. We continue to assess and review our criteria on an ongoing basis. If these need further clarification we will do our best to ensure that they are clear. UPDATE (08/07/2022): Thank you again for your feedback. Our brokers do not make lending decisions on our behalf. If your broker would like to contact us directly to discuss what our lending criteria is or how they could be made clearer then we will be happy to discuss this directly with them. Affordability is something that can not always be agreed upon. Every single person that applies for an overdraft, credit card, loan or mortgage probably thinks they can afford to repay their debts. Clearly this is not the case. No lender agrees 100% of credit applications regardless of whether customers are eligible to apply or not. This will mean that some lenders do not lend to customers who may well have been able to afford such credit and have potentially lost good customers. That is a risk that each lender must take and it needs to be balanced with the risk and costs associated with such lending defaulting. Being a Member owned Building Society, the cost of bad debt would be absorbed by all our Members. Our decision regarding your own application has been communicated to you. This decision has been reviewed by our Head of Underwriting and has been escalated within the Society to our Chief Executive Officer. This decision will not be changed. Colin McDougall, Chief Commercial Officer. UPDATE (09/07/2022): Thank you for your feedback. Colin McDougall, Chief Commercial Officer. Response date: 28th June 2022

Very helpful

I had a few awkward questions to garner initial mortgage information and Oliver was most helpful Reviewed on: 28th June 2022

Reply from Bath Building Society Thank you for taking the time out to give us this feedback, we always try our best! I will share your comments with Oliver. Ben Hutchings, Head of Mortgage Sales. Response date: 2nd July 2022

Very clear and helpful

My call was answered by Ian, who was very polite and helpful with regard to information about mortgages and the different types that are available, including rent a room loans, which I knew very little about. It seems that Bath have some very good products, which were explained very clearly and which was much appreciated. Ian said he would email me some further details, which came through in just a few minutes, which is also a major plus point. Having worked in Financial Services for many years (but not very often on the mortgage side) I was pleasantly surprised at the efficiency of the service. Far better than my previous experiences with lenders over the years. Thank you Patrick Reviewed on: 23rd June 2022

Reply from Bath Building Society Thank you Patrick for your kind comments. We try our best! I will be sure to pass this feedback on to Ian. Colin McDougall, Chief Commercial Officer. Response date: 24th June 2022

Quick and Easy

My query was resolved quickly without issues Reviewed on: 22nd June 2022

Reply from Bath Building Society Good to know. Thank you for your feedback. Colin McDougall, Chief Commercial Officer. Response date: 24th June 2022

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