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Scottish Building Society: Mortgages reviews

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4.65
Based on 347 reviews, last reviewed 3rd Feb 2025
38% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
75%
See only 4 star reviews
18%
See only 3 star reviews
4%
See only 2 star reviews
2%
See only 1 star reviews
1%

Latest highest rating:

5

I just like them and I felt the need to say it. I just like them and I felt the need to say it. I like how I'm not trying to tell a robot what I am calling about. I like the wait times when I call u... Read more Reviewed on: 3rd February 2025
Karl H's avatar
Karl H

Latest lowest rating:

2

The application process is very outdated The application process is very outdated and of a legacy nature. Everything seems to be done via post with no modern online elements like other lender... Read more Reviewed on: 10th June 2024
Chris Kelly's avatar
Chris Kelly
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About this product

Securing your dream home is the goal, but finding the perfect mortgage is an important step along the way. We collect Scottish Building Society mortgage reviews from existing borrowers to help you make an informed decision.

Scottish Building Society is the oldest remaining building society in the world, offering a range of mortgage products. Before taking out a mortgage product, make sure that you’re confident that you understand the terms, conditions and interest rates. Always consult the lender or an independent advisor if you’re unsure or have any questions.

Are you looking for a mortgage with Scottish Building Society? Read the reviews on Smart Money People to find out what existing customers have to say about their experiences. Learn which mortgage product they have and how satisfied they have been throughout the term. Find out how well the lender has kept borrowers updated with any mortgage news and changes. Learn all of this and more in our Scottish Building Society mortgage reviews.

Have you got a mortgage with Scottish Building Society? Share your experience with others on Smart Money People. Tell us about the application process: was it easy to understand? Did you have any unusual circumstances that made it difficult to find the right lender? How would you rate Scottish Building Society’s customer service? Would you recommend the lender to family and friends? Whether good or bad, write a Scottish Building Society mortgage review today. Together, we can help people like you make better financial decisions.

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Scottish Building Society Mortgages reviews (347)

Good service

4
Good service for remortgage, would be better if app improved to give more details of my account Reviewed on: 25th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Good service

5
No complaints, efficient service Reviewed on: 24th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Simple, clear, straighforward process. Outstandng customer service. Thank you.

5
The whole process of re-mortgaging, which I thought would be nightmare was just so very easy & straightforward. Very speedy too - I had envisaged interminable delays and a mass of issues. In contrast, there were none. Thank you! Reviewed on: 24th July 2023
Brian's avatar
Brian

Dissatisfied

3
My experience with the BS was good however there were a few things I found disappointing. I was unaware that the offer made was subject to change and unfortunately your lawyers were so slow in dealing with my transfer that I have ended up paying a lot more than I expected on a monthly basis for the mortgage. The lawyers (Simpson and Marwick) also made mistakes with the costs and these also kept rising. I was rarely able to get hold of anyone to speak to about my queries as the person dealing with it seemed to be constantly “out of the office”. To add “insult to injury” they did not believe I had paid the correct amount to finalise the mortgage and I had to overpay so that the deal could be finalised without incurring more costs. However, they did recognise their mistake and reimbursed me for this. Altogether I was very unhappy the lawyers and wish in retrospect I had not used them. I am afraid this has not been a very pleasant experience overall. Reviewed on: 24th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Process is fine, account management is poor

3
The remortgage process was fine. We didn't receive any paperwork other than one letter telling us what our monthly payment would be. No mortgage terms documentation etc. Was also shocked to hear they didn't have an online facility to check and manage our mortgage. Only a yearly statement!? I can't fathom how in the 21st century a major Building Society does not have an account management facility - we're not all 75yo. Early days yet, will see where we are in 6 months. Reviewed on: 24th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Overall happy but very long process

4
Overall I am somewhere between a 4 and a 5 star rating for customer experience. The only reason why I am reluctant to give a 5 star is because the surveyor was never instructed when they should have been. This resulted in a delay in the already lengthy mortgage process. However I do appreciate the more thorough checks done by SBS. Reviewed on: 24th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Service was fantastic. Clear communication, fully understood our needs and the fact we needed to move quickly. Financial advisor commented on the excellent service and speedy response

5
were in a complicated situation with our cash purchase falling through. However team made us feel at ease and took total control of the situation guiding us through the process quickly and efficiently in a language we understand. The on line portal was an effective way of passing information. To be honest we had never heard of Scottish building society prior to mortgage however on discussion with my son he was aware of your bank and could also vouch for your impeccable reputation. So many thanks and would definitely recommend you. Reviewed on: 24th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

Great service

5
Effective and personal service in all aspects. Great communication throughout. Reviewed on: 23rd July 2023
SBS Member Feedback's avatar
SBS Member Feedback

People

5
What a refreshing exoerience to be dealing with real professional people. I have had a long standing mortgage with SBS and every time I speak to them I get the feeling they are genuinely trying to do business with me and get the right outcome. Huge thanks to Peter for his patience in working through the paperwork with me. Straight talking and thorough, couldn't ask for more. Reviewed on: 19th July 2023
james's avatar
james

Satisfactory

4
We possibly started the process too early 5months before previous lender deal expired. Led to issues with mortgage offer expiring and not being noticed until last minute Delay in then mortgage transferring over. Now complete and happy Reviewed on: 5th July 2023
SBS Member Feedback's avatar
SBS Member Feedback

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