The Bath property market in figures
ONS data puts Bath's average price at £409,000 for July 2026, against £412,000 twelve months before (-0.7%). South West as a whole averaged £302,298 and the UK £273,000.
Split by type, a Bath flat averaged £239,000, a terraced house £389,000, a semi £446,000 and a detached house £716,000, roughly 3.0 times the flat figure. Flat prices fell 3.5%.
First-time buyers paid £333,000 on average (£335,000 a year before) and home-movers £494,000. Mortgaged purchases averaged £408,000 and cash purchases £411,000.
Private rents in Bath averaged £1,885 a month in August 2026, up 7.4% from £1,755. One-bedroom homes let for £1,207, two bedrooms £1,523, three £1,811 and four or more £2,535.
Looking at the breakdown, semi-detached rents rose 7.6% and detached 7.1%, with three-bedroom homes up 7.9%. For comparison, rents across the South West averaged £1,245, up 4.4%, so Bath is dearer to rent in than its wider area.
Putting those together: Bath homes averaged 49.8% more than the UK figure of £273,000; home-movers paid £161,000 more than first-time buyers (£494,000 against £333,000); rents outpaced prices, up 7.4% against -0.7% for values; a four-bedroom let cost 2.1 times a one-bedroom let.
What the figures mean for a bridge in Bath
As a rough guide, 70% of the £389,000 terraced average is about £270,000, and 75% of the £446,000 semi-detached average about £335,000. Those are gross loans: lenders value the actual property, and many retain interest from the advance, so less arrives on day one.
Rough gross yields from the same ONS averages: 7.0% for a flat (£1,392 a month on £239,000) and 6.2% for a terrace (£2,021 on £389,000). That is mid-range, so the refinance amount often depends on the rate the buy-to-let lender stresses at. Check the exit with a buy-to-let lender, or with us, before you bridge, and price the bridge with our cost calculator.
Tax and legal points in Bath
Investors in Bath usually pay the higher rates of Stamp Duty Land Tax, 5% above the standard bands. A terraced house at the £389,000 average would cost about £28,900 in Stamp Duty Land Tax, and a flat at £239,000 about £14,230, for an individual buying an additional home. Your solicitor confirms the exact figure.
Planning in Bath
Bath is in Bath and North East Somerset (B&NES), and the council is the planning authority. Its Core Strategy was adopted on 10 July 2014 for 2011 to 2029 with a requirement of 13,000 homes, followed by the Placemaking Plan in 2017 and a Local Plan Partial Update adopted on 19 January 2023. A new Local Plan for 2022 to 2042 is in preparation, with 14,500 homes over the twenty years, an average of 725 a year.
Lenders that lend in Bath
For Bath, our panel has 49 lenders that offer first charge bridging. The full list is below the questions, with links to our reviews. We check each lender's appetite for the exact address and property before putting your case forward.
Bridging loans in Bath: questions
What is the average house price in Bath?
£409,000 in July 2026, down 0.7% on a year earlier (ONS, UK House Price Index).
How many lenders do bridging loans in Bath?
49 on our panel offer first charge bridging that covers Bath.
Who handles planning applications in Bath?
Bath and North East Somerset Council. Core Strategy adopted 10 Jul 2014. Partial Update adopted 19 Jan 2023.
How much Stamp Duty Land Tax would an investor pay in Bath?
About £28,900 on a £389,000 purchase for an individual buying an additional home (October 2026 rates).
Is a bridging loan in Bath regulated?
Only if you or a close family member live, or will live, in the property. Bridges on Bath investment, company or commercial property are usually unregulated.
