Bath Investment & Building Society Mortgages

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Last updated on 08 March 2021.

Bath Building Society Mortgages FAQ

Who are Bath Building Society?

Tracing their origins back to 1904, Bath Building Society were set up as a friendly society. Using members’ investments, they began buying property to rent before being reinstated as a building society in the 1950s. Today they have approximately millions in assets, and offer savings and mortgage products to customers throughout the UK.

How do I apply for a mortgage with Bath Building Society?

Once you know which Bath Building Society mortgage you would like to apply for, you can either call their mortgage team or book a callback for a day and time most convenient to you. You can also email the mortgage team or use their live chat function to discuss your options.

I’m a landlord. What mortgages are available to me?

Bath Building Society offer various mortgage products to landlords looking to purchase property. Typically, you will have a choice of the kinds of mortgages outlined below:

  • Buy-to-let mortgage: This product would be suitable for a landlord who is looking to purchase rental property with a view to letting it out to tenants.
  • Buy-for-uni/student mortgage: This product is specifically designed for those wanting to buy and live in a property whilst at university, with a view to renting out the vacant rooms. It is important to note that for this mortgage you will be required to live in the property when it is being let out to tenants.
  • Buy-to-let expat mortgage: This product allows landlords to purchase or remortgage properties whilst living outside the UK.
  • HMO mortgages: These products are for landlords looking to maximise their income by purchasing a house for multiple occupation (HMO).

To find out which product is best suited for your situation, contact the Bath Building Society mortgage team.

What paperwork do I need to apply for a mortgage with Bath Building Society?

To apply for a mortgage with Bath Building Society you will need the usual mortgage paperwork, including proof of identity, address and income.

Beyond this, it really depends on the kind of mortgage that you’re applying for. Buy-to-let mortgages will sometimes require you to forecast the revenue from the property’s rental. In some cases you might also be required to outline your own personal income to allow the lender to gauge the risk in lending to you.

Speak to a representative of Bath Building Society, or start by researching the details on their website to get a clearer idea of what paperwork you will need to start your application.

Is there an Early Repayment Charge on Bath Building Society mortgages?

Early Repayment Charges, or ERCs, are often applied by mortgage lenders when a borrower wishes to repay their mortgage before the agreed timescale is up.

They can add a significant sum to your total cost of borrowing depending on how early you want to make the repayments and how much is left on your mortgage.

If early repayment is an avenue you think you might wish to take in future, speak to your Bath Building Society representative when arranging your mortgage and double check your terms and conditions before finalising your deal.

Services offered by this provider may change over time. Always check Ts&Cs.

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Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE