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Bath Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.69 (270 reviews)

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4.71

Based on 270 reviews, last reviewed 10th Feb 2025

43% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

86%

Latest highest rating:

5

I have a buy for uni mortgage which has been really... I have a buy for uni mortgage which has been really helpful and unique experience to own my own property at such a young age. Reviewed on: 10th February 2025

Latest lowest rating:

2

Decent product, painfully slow process No problem with the product offered by painfully slow process that ended up failing to complete because the vendor's circumstances changed in the mean... Read more Reviewed on: 6th October 2024

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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 (270)

Review of the Bath Building Society, Mortgages:

Outstanding Customer Service, Traditional Values & Integrity

I have been a borrower now for some 21 years. The Society have helped me in every step of my home ownership-Their values are traditional and they havethe utmost intregrity, you can rely on them, they are genuinely people who care about their clients. Cant recommend enough! Reviewed on: 8th March 2022

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

Fast easy means of contact

Thank you for your speedy and professional response Reviewed on: 17th July 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 July 2023

Excellent

We have a number of Buy-to-Let mortgages with you and as before staff have been prompt and easy to deal with. Reviewed on: 12th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. This is great to hear as we very much value your custom. Ben Hutchings, Head of Sales Response date: 13th July 2023

Very efficient chat function

I wanted to start a remortgage application and used the instant chat function to get the process started. It was very quick and easy, I downloaded the application form and fact sheet within in minutes of starting the chat. Reviewed on: 11th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this feedback. I'm glad you found it quick and easy. Ben Hutchings, Head of Mortgage Sales Response date: 12th July 2023

Excellent product, Professional service

We applied for a "Uni-Mortgage" and from the outset meeting we had with Tim Randall the introduction, details of the product and the application process was clearly, articulately and professional explained to us. Throughout the whole process from initial meeting to offer letter Tim supported us through the entire process and had an accurate understanding of our situation, his commitment to navigate us through the application process was stead-fast & professional, which was greatly appreciated, he has an impressive work ethic & tenacity and is a credit to Bath Building Society Thank-you Tim Reviewed on: 6th July 2023

Reply from Bath Building Society Thank you for taking the time out and leaving this review. This is really good to hear. I will pass this on to Tim and I'm sure he will be pleased with the support and assistance he has given you together with this feedback. Ben Hutchings, Head of Mortgage Sales. Response date: 12th July 2023

Uni Mortgage

Good Support and provided all required information Reviewed on: 4th July 2023

Reply from Bath Building Society Thank you for taking the time out and providing this feedback. This is great to hear. Hopefully we will be able to assist should you decide to proceed. Ben Hutchings, Head of Mortgage Sales Response date: 4th July 2023

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