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James Wilde

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Review of the Bath Building Society, Mortgages:

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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

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