You can request a decision in principle via the online form on the How To Submit Business page. The team will review your request and respond within 48 hours.

Please check the How To Submit Business page where you will also find our packaging requirements.

No, you only need your FCA number, your FCA status and company name to submit a case. If you are acting on behalf of a network or mortgage club you’ll need their name and FCA number too.

You can use our affordability calculator on the website.

We have loyalty rates exclusively available for existing customers when switching rates. If your client’s current mortgage deal is coming to an end, they may be able to switch to one of our exclusive transfer products for loyal customers.

We will be in touch  with the customer when the existing mortgage is due to expire, confirming options. It’s a simple process with no long application forms to complete.

To help an existing Bath Building Society customer choose a new retention product, the first step is to have them complete an Authority to Disclose form.  Once this form is completed, upload it to our online Broker Retention Form on the How To Submit A Case page.

The retention form allows you to enter both customer and intermediary details, as well as select the product for which you’d like us to generate an offer. Additionally, we’ll ask you to upload your bank account details to ensure prompt payment of the procuration fee. After submission, we will provide you with an offer, which must be signed by the applicant(s) and returned to us so we can arrange the new product.

We pay a 0.3% procuration fee on rate transfers.

Please contact one of our Business Development Managers via email and we will be happy to provide an illustration: intermediaries@bibs.co.uk

You can download the form here.

Or contact the team to obtain a copy.

We currently lend on property in England, Wales, Scotland and some Scottish Islands.

We currently consider earned income until the age of 70. However we do consider individual circumstances  and in some instances will consider applications from individuals up to the age of 85.  If you believe your clients have a unique case, please contact the Intermediary team to discuss.

You’ll find a step by step guide to submitting business with us here.

If one of your customers has a vulnerability for you to disclose, you can do so on the full mortgage application form. Ensure you have explicit permission from your customers to record and disclose any vulnerabilities.

If the customer’s application has already been submitted, please email the details of the vulnerability to mortgageadmin@bibs.co.uk. Be sure to specify whether the vulnerability is temporary or permanent.

Our minimum loan amount is £50,000.

The maximum loan will be 70% LTV, except in the case of certain niche products.

Acceptable repayment vehicles are Endowments, Pensions, Trust funds and sale of other properties and downsizing. Please call our Intermediaries team to discuss the specific requirements for your client.

We credit check all customers as part of our manual underwriting process for all applications.

Valuers are expected to request an EWS1 form on any block of flats where they have concerns about the fire safety of the external wall system, eg. flammable cladding or insulation, inadequate firestopping and combustible material on balconies. These problems can be found on blocks of any height, not just those over 18 metres.

EWS1 forms must meet all the following criteria to be acceptable:
The Assessment Result:
• It must be clear and obvious which of the result Options has been selected.
• There must be only one Option selected as they are mutually exclusive.
• The Option selected must be A1, A2 or B1.

The Assessors Qualifications:
• The assessor should be a fully qualified member of a relevant professional body on the RICS
published list.
• “Fully qualified” typically means Fellow or Member.
• To sign off a “B” option the assessor must have a higher level of expertise, e.g. a Chartered
Engineer who is a Fellow or Member of the Institution of Fire Engineers

Other Requirements:
• The form must be addressed to the assessor’s client. This will usually be the building owner
(unless in Scotland where it could be the individual flat owner).
• The form must include the correct post code(s) and building name.
• The form must cover the whole building, not an individual flat
• The form must be the current (December 2019) RICS published version and it must be complete
and unaltered.
• There must be no added comments which indicate that the inspection was restricted, or the result
is provisional.
• The form must stand alone, e.g. it must not refer to another document for validity.

Accompanying Covering Letter:
• The assessor should provide a covering letter on a letterhead to confirm that the form is genuine.
• The covering letter should not contradict or otherwise cast doubt on the result of the EWS1.

It should be noted that a clause on the EWS1 form specifically disclaims any liability to any lenders and purchasers who view the form.

Any firm of two or more SRA* approved managers/partners is acceptable provided that the firm has CQS* (Conveyancing Quality Scheme) status.
*n/a in Scotland.

If the firm does not have CQS status, we will only accept solicitors who meet the following criteria:

• Must be a practice that has been established for a minimum of 10 years (where there have been mergers we must be satisfied that, where they were firms of a similar size, they both had a 10 year history or where it was more of a takeover that the larger firm meets the 10 year rule)
• The majority of the partners/SRA approved managers (i.e. greater than 50%) should have been fully qualified Solicitors for a minimum of 5 years.
• Where the solicitors acting are a branch of a firm that branch should have been established for a minimum of 5 years and the ‘local’ partner must have 5 years’ experience.
• The firm must have a minimum of 4 partners with an equitable interest whether by way of partnership agreement or, in the case of a limited company, by way of a shareholding.

Additional information

• The Society will not use Licensed Conveyancers under any circumstances
• The Society will only instruct Solicitors who are registered with the Solicitors Regulatory Authority (SRA) and this will be validated by a search of the SRA website.
• In Scotland, the firm must be a member of the Law Society of Scotland.
• The Solicitors may not be subject to any disciplinary action from the Solicitors Regulatory Authority or similar.

For all loans to Limited Companies the Society will need separate legal representation at the cost of the borrower. We do accept a different partner acting in the same firm. The only exception is if the company is already a borrower with the Society, in which case we will allow the same Solicitor to act for us and the borrower.

Still looking for answers? Contact the Intermediary team.