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Homestart Regular Saver

Designed specifically for 18-34 year olds who are looking to save for their first home, saving between £50 and £250 each month (for example for a deposit on a home) and rarely need access to these funds. Saving into this Homestart regular saver account for a qualifying period of at least 12 months, if you take out a mortgage with us, you will benefit from no arrangement fee and £500 cash back. As a result of the restricted number of withdrawals, the account pays a higher rate of interest than an Instant Access account. Find out more and apply online below.

Interest rate (AER)
£1 - £57,000
Min/Max amount
£1 - £57,000
Only 2 permitted withdrawals per calendar year.

Suitable for savers who:

  • want to regularly save for a deposit for their first home
  • are prepared to save between £50-£250 each month
  • want to benefit from free arrangement fee and £500 cash back on completion of a Bath Building Society mortgage
  • are aged between 18-34 years
  • want to manage the account online, via the Mobile App, by phone or in our Branches

Not for savers who:

  • want to make more than two withdrawals a year
  • want to deposit a lump sum
  • want a fixed rate of interest
  • don’t have plans to purchase a property before their 35th birthday

Is this the right product for you?

Please read the Key Product Information below before applying

  • What is the interest rate?
    • £1-£57,000 4.89% AER*.
    • We calculate the interest daily and pay it annually on 31st December. Interest can be added to your account or paid to your nominated account.
    • You cannot have more than £57,000 in your account.
    • *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.
  • Can Bath Building Society change the interest rate?
    • The interest rate is variable, so it can go up or down at any time.
    • For more details about why we might change the rate, you should read your Welcome to your Bath Building Society Account brochure.


  • What would the estimated balance be after 12 months based on depositing £50 every month?


    • This would be the balance after 12 months if £50 was paid in every month, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
    • This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.
  • How do I open and manage my account?
    • You must live in the UK to open this account. You can open it with as little as £50.
    • You must pay between £50 and £250 into the account every month. If not, we will change your account to an Instant Access.
    • If you pay too much money into your account, we will let you know and return your payment.
    • If you pay too much money into your account a second time, we will change your account to an Instant Access. Find out more about the Instant Access account.
    • You can open an account via Bath Online or by visiting one of our Branches in Bath.
    • You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
    • Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.


  • Can I withdraw money?
    • This is an instant access account. You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
    • You can withdraw money from this account twice a year. If you withdraw money again after that, we will change your account to an Instant Access. You can find out more about the Instant Access account on our website.
    • You can withdraw by cheque from our Branches. There is no limit to how much you can withdraw.
    • You can also ask us to make a faster payment to your nominated account. This can be done on Bath Online, through the Mobile App, or in a Branch. You can also send us a signed letter in the post, or an email from your nominated email address.
  • Additional information
    • We will write to you at least 14 days before your 35th birthday to let you know what accounts we have for you. If we do not hear from you, the account will become an Instant Access when you turn 35.
    • After 12 months, you can have a free arrangement fee and £500 cashback when you complete on a residential Bath Building Society mortgage. You will still have to pay for the valuation, administration and completion fees. You cannot take this offer if you are not completing on a residential mortgage.
    • You will need to pass all our standard mortgage checks to take this offer. You must use the offer before your 37th birthday, or within 2 years after you close the account.
    • We will pay the cashback into your nominated bank account by next day faster payment.


Important information before you apply

Before you apply please read our terms and conditions document and FSCS information sheet alongside the key product information above to understand how this account works.

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