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Credit Repair mortgages

These mortgages could be an option if you are worried about past credit issues. Rates and charges tend to be higher due to the perceived risk. However once you’ve found a solution and can prove regular payments, your credit rating will improve and you can consider a more competitive deal.

Mortgages are secured against your home. You could lose your home if you do not keep up payments on your mortgage.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

Monthly payments calculator

Use the calculator to find out what your monthly payments might be based on the mortgage product and the type and term of your borrowing.

Mortgage details

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Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

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
Credit Repair 2: 2 year discount
Initial rate
6.89%
Discount from SVR
1.5%
Overall cost for comparison
8.2% APRC
Max LTV %
70%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 8.39% (variable) after the initial rate period.

Product name
Credit Repair 1: 2 year fixed
Initial rate
5.99%
Overall cost for comparison
7.8% APRC
Max LTV %
80%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Credit Repair 1: 5 year fixed
Initial rate
5.39%
Overall cost for comparison
7.2% APRC
Max LTV %
80%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate

Customer feedback

Read what our members say about Bath Building Society on the review platform, Smart Money People

How to apply

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