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.

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.

Submit a request for a Decision in Principle via our online form (you do not need to register with Bath Building Society to submit a DIP).

We’ve upgraded our Mortgage processes with Docusign as a secure means of sending broker communications. Expect to receive information via email, following Decision In Principle submissions, from Docusign, accessible using Two-Factor-Authentication for enhanced security.

Check out our current Service Levels. Please note at this stage we do not carry out credit checks and rely on the accuracy of the information you provide.

You do not have to register with Bath Building Society to submit a case with us.

When you are ready to submit an application, please review our Packaging Requirements.All packaging requirements must be uploaded with the case submission. Failure to upload these documents could delay the processing of the case.

Go to Broker Online to submit your case. Documents can be e-mailed to us after submission to intermediaries@bibs.co.uk

We’ve upgraded our Mortgage processes with Docusign as a secure means of sending broker communications. Expect to receive information via email, following Mortgage Application submissions, from Docusign, accessible using Two-Factor Authentication for enhanced security.

Once the case is fully packaged and submitted, it will be sent to our operations team for a full underwrite. Once our underwriters are happy with the case, the valuers will be instructed. The valuers will call the customer directly to collect the valuation fee as per our fee scales. 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.

Vulnerable customers: 

If one of your customers has a vulnerability for you to disclose, you can do so on the full mortgage application form. Please 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 vulnerablity to mortgageadmin@bibs.co.uk. Be sure to specify whether the vulnerabilty is temporary or permanent.

Please Note:

Only applications with full packaging requirements satisfied will be added to our processing queue. If the packaging requirements are not received within 2 weeks, the application will be cancelled and you will need to reapply on whatever products are available at the time.

Are there any restrictions on which acceptable solicitors customers can use?

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 Licenced 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 instruct its own Solicitors at the cost of the borrower. 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.