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Bath Building Society

The society has a broad selection of mortgage products for residential and business customers, including standard residential mortgages, buy to let and holiday let mortgages, and parent assisted mortgages for students heading off to university.

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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Discounted 26/04/2020
Initial rate
2.34%then 5.04% (variable)
Fees
£1,450fees
Overall cost
4.5%APRC
Monthly cost
£704.96 for 36 months then £912.19 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 21
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £267,648: Interest (£106,198); Booking fee (£125); Application fee (£640); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2020
Initial rate
2.59%then 5.04% (variable)
Fees
£1,450fees
Overall cost
4.6%APRC
Monthly cost
£725.06 for 36 months then £914.96 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 21 and younger than 85 at mortgage end
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £269,102: Interest (£107,652); Booking fee (£125); Application fee (£640); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2020
Initial rate
2.64%then 5.04% (variable)
Fees
£1,450fees
Overall cost
4.6%APRC
Monthly cost
£729.12 for 36 months then £915.51 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 21
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £269,392: Interest (£107,942); Booking fee (£125); Application fee (£640); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2020
Initial rate
2.84%then 5.04% (variable)
Fees
£1,450fees
Overall cost
4.6%APRC
Monthly cost
£745.49 for 36 months then £917.67 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 21 and younger than 85 at mortgage end
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £270,552: Interest (£109,102); Booking fee (£125); Application fee (£640); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Fixed 26/04/2020
Initial rate
3.29%then 5.04% (variable)
Fees
£1,450fees
Overall cost
4.8%APRC
Monthly cost
£783.09 for 36 months then £922.40 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 21
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £273,156: Interest (£111,706); Booking fee (£125); Application fee (£640); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2020
Initial rate
3.49%then 5.04% (variable)
Fees
£2,010fees
Overall cost
4.9%APRC
Monthly cost
£800.14 for 36 months then £924.45 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 25
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £274,870: Interest (£112,860); Booking fee (£125); Application fee (£1,200); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2020
Initial rate
3.49%then 5.04% (variable)
Fees
£2,010fees
Overall cost
4.9%APRC
Monthly cost
£800.14 for 36 months then £924.45 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 25
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £274,870: Interest (£112,860); Booking fee (£125); Application fee (£1,200); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2019
Initial rate
4.24%then 5.04% (variable)
Fees
£2,010fees
Overall cost
5.1%APRC
Monthly cost
£865.89 for 24 months then £934.27 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 25
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £280,649: Interest (£118,639); Booking fee (£125); Application fee (£1,200); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2019
Initial rate
4.24%then 5.04% (variable)
Fees
£2,010fees
Overall cost
5.1%APRC
Monthly cost
£865.89 for 24 months then £934.27 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 25
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £280,649: Interest (£118,639); Booking fee (£125); Application fee (£1,200); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
Rate type
Discounted 26/04/2019
Initial rate
4.49%then 5.04% (variable)
Fees
£2,010fees
Overall cost
5.2%APRC
Monthly cost
£888.42 for 24 months then £935.81 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 25
  • Have no repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £281,617: Interest (£119,607); Booking fee (£125); Application fee (£1,200); Valuation fee (£310); Legal fee (£150); Funds transfer fee (£75); Mortgage discharge fee (£100); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 26/04/2017.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Bath Building Society

Bath Building Society is very much rooted in the property market. Bath Investment Society was formed in 1904. Their early transactions involved using members’ investment money to purchase properties in the city to rent. By the 1950s, they became Bath Building Society, lending money to the local population to help them purchase homes.

Today Bath Building Society is one of the few remaining mutual building societies left. Bath BS remains small, but they have a big presence in Bath and the local community. Mortgages are a significant part of their business and the Bath BS mortgage team like to consider each application on its individual merits.

Bath Building Society does have some restrictions in place. They don’t lend to borrowers in Northern Ireland or Scotland, and they don’t cater for the sub-prime market. However, they will lend to self-employed customers, property investors and landlords.

The society has a broad selection of mortgage products for residential and business customers, including standard residential mortgages, buy to let and holiday let mortgages, and parent assisted mortgages for students heading off to university.

The minimum age of an applicant is 21, but there is no maximum (subject to income).

Residential Bath BS mortgage deals vary, but will typically be a three year discounted rate or similar.

Bath Building Society buy to let mortgages are suitable for landlords wishing to invest in or expand an existing property portfolio.

Holiday let mortgages are ideal for customers looking to buy a holiday home in England or Wales.

Buy for Uni mortgages are suitable for students hoping to gain a foothold on the property ladder. Bath Building Society may lend up to 100% of the property value on a Buy for Uni mortgage, subject to certain lending conditions.

uSwitch is authorised and regulated by the Financial Conduct Authority (FRN 312850) to provide this mortgage comparison service.

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