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Bath Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.87 (424 reviews)

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4.87

Based on 424 reviews, last reviewed 10th Sep 2026

29% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Tim at Bath BS was just great, professional &friendly. Tim at Bath Building Society was really helpful, friendly, professional and he took time to explain everything to us. Nothing was too much trouble or ... Read more Reviewed on: 10th September 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 (424)

Computer says no

Will advise you a mortgage port is possible, however when it comes down to the move they will find any reason they can to decline your application (last minute), so they receive their early repayment charge + admin fee Reviewed on: 5th March 2022

Reply from Bath Building Society Thank you for your feedback which you have shared with us before. For clarity, we do not use computers or credit scoring to make lending decisions. We rely solely on a team of professional underwriters. As a Building Society we always want to find ways to lend but we do have a duty to protect our members from credit risk and this means that we simply cannot lend to everyone. We do not make such decisions to maximise fee income and have recently reviewed, reduced and simplified our fees. We believe them to be fair and transparent and that for both Savings and Mortgages they compare favourably with our competitors. Lastly, when it comes to the speed of our underwriting or making lending decisions this is something that we know we can improve and are trying to do so. Colin McDougall, Chief Commercial Officer. Response date: 7th March 2022

Like family

We used BIBS for 3 mortgages in Bath over the years and they were the only one who listened and went the extra mile. For our very first mortgage They looked at our figures in a more humane way rather than punching numbers in to a machine and ‘the computer says no’. They organised our first mortgage and we’re very competitive thanks BIBS. Highly recommend them Reviewed on: 26th February 2022

Award winning customer service

Bath made sure our mortgage process was as smooth as possible during the pandemic. We are forever grateful that they made it happen for us. Customer service was perfect from start to finish. Reviewed on: 25th February 2022

Tims excellent service

Tim was a massive help to me and my partner (and was a lovely gentleman). I look forward to further dealings with Bath Building Society in the future. Reviewed on: 22nd February 2022

Reply from Bath Building Society Thanks Jamie, we'll pass your kind words on to Tim! Jo, Bath Building Society. Response date: 23rd February 2022

Mortgage chat

Very helpful chat online with Tim regarding the process for a Buy for Uni mortgage Reviewed on: 22nd February 2022

Reply from Bath Building Society Glad you received the information you needed, we'' pass your comments on to Tim. Jo, Bath Building Society Response date: 23rd February 2022

Very slow and archaic processes

Bath has a very system of reviewing applications and revisions. Where other firms are contactable usually vis telephone, every enquiry had to be submitted and wait in queue to be processed. The entire process of remortgaging a property took several months when in the past it has taken me weeks Reviewed on: 11th February 2022

Reply from Bath Building Society Thank you for taking the time to post this review. We’re committed to providing the highest level of service and take all feedback seriously. It would be appreciated if you could contact me directly so that I can investigate why the re-mortgage took several months to process. My email address is [email protected]. Ben Hutchings Head of Mortgage Sales Response date: 14th February 2022

quick response

prompt and quick responses which was great to see Reviewed on: 7th February 2022

Reply from Bath Building Society Thank you for your feedback, Louise Head of Savings Support Response date: 9th February 2022

Considerate call back

Got an instant call back with a. Very friendly adviser who walked me through a whole load of questions. Reviewed on: 2nd February 2022

Reply from Bath Building Society Thank you for your feedback, that's good to hear and we'll make sure to pass it on to the team, Ben Hutchings, Head of Mortgage Sales. Response date: 10th February 2022

Poor customer service, slow to respond

It was such a slow archaic system in getting approval and then getting responses. My mortgage brokers were frustrated, as were my legal representation. Having had many mortgages over the years, this has been by far the most laborious, which is even more suprising given the large admin and arragement fees that you charge Reviewed on: 31st January 2022

Reply from Bath Building Society Thank you for your feedback. It would be appreciated if you could contact me directly so that I can investigate your case in more detail and hopefully learn from it. My email address is [email protected]. Although of little consolation, we are investing heavily in system improvements and I am hoping these will start to deliver customer experience improvements in the next few months. Lastly, when it comes to our Mortgage Tariff I have reviewed this and our lending fees over the last few weeks. We will shortly be announcing a simplified and reduced Mortgage Tariff for existing customers and are also simplifying our fees for new customers. This will include us removing certain fees such as the 'admin' fee and completion fee from our core products. As already mentioned I would be more than happy to discuss this further but I will need you to contact me or provide me with your contact details to do so. Colin McDougall, Chief Commercial Officer. Response date: 2nd February 2022

Amazing Customer Service

From the hamper delivered to our new home, to speedy help with queries, this is the best customer service I have seen in a long time. Reviewed on: 26th January 2022

Reply from Bath Building Society Thank you for your kind review and feedback and I hope you enjoy your hamper! Colin McDougall, Chief Commercial Officer Response date: 27th January 2022

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