Standard Residential mortgages

Buying your own home is one of the biggest financial decisions you’ll ever make. We understand no two borrowers are the same which is why we offer a flexible approach to mortgage criteria with manual underwriting. Our 95% (LTV) products offer deposits as low as 5% and is also available on new build homes (including flats).

We also offer a Joint Borrower Sole Proprietor option, which may be useful if affordability is tight, as we take into account parent’s income when assessing the mortgage application, without them becoming a legal owner of the property. Give our mortgage team a call to chat about your individual situation.

*Please note we have temporarily withdrawn our Fixed Rate Residential product range. New products will be launched in early May, date will be confirmed.*

Affordability calculator

Find out how much your client can borrow with our affordability calculators.

Find out more

Variable mortgages

Our Standard Variable Rate (SVR) is currently 8.39% (variable).

There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name

Residential variable for 2 years

Product code: RDD165

Initial rate

5.74%

Discount from SVR

2.65%

Overall cost for comparison

7.9% APRC

Max LTV %

80%

Product fee

£999

Product name

Fee Saver 95% Residential variable for 2 years

Product code: RDD168

Initial rate

6.69%

Discount from SVR

1.70%

Overall cost for comparison

8.2% APRC

Max LTV %

95%

Product fee

£0

Product name

Fee Saver 80% Residential variable for 2 years

Product code: RDD166

Initial rate

5.99%

Discount from SVR

2.40%

Overall cost for comparison

7.9% APRC

Max LTV %

80%

Product fee

£0

Product name

95% Residential variable for 2 years

Product code: RDD167

Initial rate

6.44%

Discount from SVR

1.95%

Overall cost for comparison

8.2% APRC

Max LTV %

95%

Product fee

£999

Loan:	Size: Minimum £50,000. Term: Minimum 5 years, Maximum 40 years.
Property:	Minimum Value: £100,000. Must be in England, Wales or Scotland. We are also unable to offer a Right To Buy mortgage in Scotland.
Applicant:	Age: Minimum 18, maximum is 85, subject to income in retirement.
Income:	Household income must be at least £20,000. No minimum period of employment, but must have passed probation, or have 3 years self employment history.

Loan:

Size: Minimum £50,000.
Term: Minimum 5 years, Maximum 40 years.

Property:

Minimum Value: £100,000. Must be in England, Wales or Scotland. We are also unable to offer a Right To Buy mortgage in Scotland.

Applicant:

Age: Minimum 18, maximum is 85, subject to income in retirement.

Income:

Household income must be at least £20,000.

No minimum period of employment, but must have passed probation, or have 3 years self employment history.

Income After Deductions	Sole Borrower	Joint Borrowers
£20,000-£50,000	4.5x	4.5x
Over £50,000	5.0x	5.0x

Income After Deductions

Sole Borrower

Joint Borrowers

£20,000-£50,000

4.5x

Over £50,000

5.0x

What our Intermediaries are saying

Underwriting:	We take a flexible approach to underwriting and will consider each case on its merits. We do not credit score. The actual rate and APRC for your case will depend on your circumstances and our assessment of the risk.

“The BDM was knowledgeable and insightful.”

Gail, Mortgage Sure Ltd

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

Emma. G3 Mortgages

“Common sense lending, think outside the box.”

Amit, Trinity Finance

“Lovely little lender, able to help when the big boys can't.”

Andy, Together FSL

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

Clark, Wiser Mortgage Advice

Standard Residential mortgages

Variable mortgages

Residential Lending Criteria and Information

What our Intermediaries are saying

“The BDM was knowledgeable and insightful.”

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

“Common sense lending, think outside the box.”

“Lovely little lender, able to help when the big boys can't.”

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

How to apply

Contact us

Standard Residential mortgages

Variable mortgages

Residential Lending Criteria and Information

What our Intermediaries are saying

“The BDM was knowledgeable and insightful.”

“I find the underwriting very flexible - being able to talk to the underwriter is also massively helpful. Really impressed.”

“Common sense lending, think outside the box.”

“Lovely little lender, able to help when the big boys can't.”

“Staff so easy to talk to and knowledgeable. This was my first case with Bath but already have another that will be coming your way.”

How to apply

Contact us

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