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How To Submit Business

Here’s a handy step-by-step guide to submitting a new mortgage case to Bath Building Society. If you need any help, take a look at our FAQs or talk to the team via our chat window.

Review Criteria:

Please review your client’s application against our Lending Criteria for Residential or Buy To Let. If you can’t find what you’re looking for, or have a more complex case, please contact us.

Affordability Calculator:

See if your client’s mortgage passes our affordability assessment, or find out the maximum your customer can borrow using our Online Mortgage Affordability Calculator for both Residential and Buy to Let applications. Please download a PDF of your calculation or make a note of the reference number once completed as you will need to submit this later.

Decision in Principle:

Submit a request for a Decision in Principle by completing the digital DIP form and emailing it to the team.

We will review your request and respond within 48 hours. Please note at this stage we do not carry out credit checks and rely on the accuracy of the information you provide.

In the meantime we encourage you to register for our online application portal Broker Online if you haven’t already done so.

Full Mortgage Application:

Once you have an accepted Decision in Principle, you will be able to submit a Full Mortgage Application to us. First, review the Packaging Requirements relevant to the type of application you are submitting.

When you are ready to submit your client’s Full Mortgage Application, head to our online application portal Broker Online and complete the application on behalf of your client. Once you have submitted the application, you will be able to access the document upload service and you can arrange for your client to call us on 01225 475729 to pay the valuation fee (where applicable) as per our fee scales. We require all Packaging Requirements to be uploaded and the valuation fee paid within two weeks of submission. As standard, we won’t instruct the valuation until our Underwriters have completed their initial assessment and are satisfied that we can proceed subject to valuation.

Please Note:
Only applications with full packaging requirements satisfied and the valuation fee paid (where applicable) will be added to our processing queue. If your application is for a withdrawn product and the packaging requirements and valuation fee are not received within two weeks you will need to reapply for products available at the time.

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