The Bath Building Society is a mutual organisation. It operates mainly within the city of Bath and its immediate area, though a network of agency offices for the Society is being developed through the west of England. They believe that the decision to lend to you or not should be made by people and not by computers.

They have the following types of mortgages:

Buy to Let
Residential Mortgages
Commercial Loans

Buy to Let: the Bath BS has two discount mortgage products. The discount rate is off the Society’s standard variable rate. Once the discount period (2 or 3 years) is over your rate will revert to the Society’s standard variable rate.

An arrangement fee will apply
An early repayment fee applies during the discount period
This type of mortgage is portable

Residential Mortgages: the Baths BS offers two discount mortgages, a standard variable rate mortgage and a flexible mortgage.

Discount: choose between a 2 or 3 year discount option. Your starting rate is set at a discount off the Society’s standard variable rate for a set period (2 or 3 years). After the discount period has finished your rate will revert to the Society’s standard variable rate.

An arrangement fee will apply
There is an early repayment charge for the discount period
This type of mortgage is portable
Interest is calculated annually

Flexible: your rate will be set at a discount off the Society’s standard variable rate. After the discount period is over your rate will go back to the Society’s standard variable rate.

An arrangement fee will apply
There is an early repayment charge for the discount period
With this type of mortgage you can make underpayments or take payment holidays as long as you have previously made overpayments
This type of mortgage is portable
Interest is calculated daily

Standard Variable Rate: for the whole mortgage term, your rate will be set at the Society’s standard variable rate.

This type of mortgage is portable
Interest is calculated annually

Bath Investment and Building Society is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Think carefully before securing other debts against your home. Ask for a personalised illustration Unique version number HP190707