Bath Building Society Mortgages
Flexible mortgage products from Bath Building Society with manual underwriting and practical criteria for complex cases.
Flexible lending with a personal touch
Bath Building Society is a mutual organisation that takes a genuinely individual approach to mortgage lending. Where larger lenders apply rigid automated criteria, Bath Building Society's underwriters assess each case on its own merits.
This makes them particularly valuable for borrowers with non-standard circumstances, whether that means self-employment, unusual property types, older age, or a credit history that does not fit neatly into standard scoring models.
Why Bath Building Society through Doulton
Manual Underwriting
Bath Building Society reviews every application individually rather than relying on automated scoring. This means cases that would be declined elsewhere often find a home here.
Self-Employed Friendly
Flexible assessment of self-employed income, including the ability to use one year's accounts in some circumstances, makes Bath Building Society popular with business owners.
Non-Standard Properties
Bath Building Society considers property types that larger lenders avoid, including older buildings, non-standard construction, and properties above commercial premises.
Later Life Lending
With no maximum age at the end of the mortgage term in many cases, Bath Building Society is a practical option for older borrowers struggling with age restrictions elsewhere.
Flexible Deposit Sources
Bath Building Society takes a practical approach to deposit sources, considering gifted deposits, inheritance, and other non-standard sources with sensible documentation requirements.
Local Decision Making
As a regional building society, lending decisions are made locally by people who understand the nuances of individual cases, not by distant automated systems.
How it works
Case Review
We review your circumstances and identify whether Bath Building Society's flexible criteria offer a solution, particularly if you have been declined elsewhere.
Direct Discussion
We discuss your case directly with Bath Building Society's underwriting team to get early feedback on feasibility before committing to a formal application.
Application Support
We prepare and submit your application with all supporting documentation, presenting your case in the way that Bath Building Society's underwriters respond to best.
Completion
We manage the process through to offer and completion, ensuring communication flows smoothly between all parties involved in your transaction.
Explore Bath Building Society options
If you have been declined elsewhere or have non-standard circumstances, Bath Building Society's flexible approach could provide the solution. Talk to our team today.