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Bath Building Society


Bath Building Society is one of the smaller building societies, with headquarters in Bath.

Founded in 1904 as a Friendly Society, the Society now focuses on savings and mortgages. The mortgage business specialises in offering niche residential mortgage products to meet the individual demands of customers – such as retirement interest-only (RIO) mortgages.

Bath Building Society offer a discounted rate RIO with a lifetime term.

To be eligible you must be at least 65 and a homeowner and the loan can be used to buy a new home or remortgage your existing scheme.

Bath will lend up to 50% of the value of the property (the LTV) and the minimum loan is £50,000 with a maximum of £500,000.

Your household income must also be a minimum of £20,000 and Bath use an income multiplier to determine how much they will actually lend you.

As with the majority of RIO lenders, Bath assess joint applicants individually, to ensure that if only of the applicants remains, they are able to continue to meet their monthly mortgage repayments.


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We understand that with different options to choose from, it can be difficult to find the right home reversion plan provider for you. That’s why our team of expert and impartial advisers are on hand to answer all your questions and find the right solution for you. It costs nothing to give us a call and the first and only person you’ll speak to is your local adviser. That’s because we don’t have call centres. Just highly qualified and experienced advisers ready to help you.