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Scottish Building Society: Mortgages reviews

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4.65
Based on 353 reviews, last reviewed 29th Apr 2025
25% increase 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%
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2%
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1%

Latest highest rating:

4

Overall a good experience Speed of loan approval could be improved though I think this is symptomatic of the industry/process as a whole, not just Scottish Building Society Reviewed on: 29th April 2025
Simon's avatar
Simon

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The application process is very outdated The application process is very outdated and of a legacy nature.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
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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 (353)

All good

5
Everything went well with remortgage Reviewed on: 27th July 2023
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SBS Member Feedback

Use a mutual!

3
No interest mortgage for old people only through a broker. This was a slow process! Very thorough for a small mortgage. Reviewed on: 26th July 2023
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SBS Member Feedback

Scottish Building Society Branch Review

5
Excellent service from start to finish from Scottish Building Society, I am sure it is a team effort but big shout out to Kay. Reviewed on: 26th July 2023
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Verified Member

Scottish Building Society

5
From dealing with my mortgage broker to obtaining mortgage from Scottish was a seamless exercise. Reviewed on: 26th July 2023
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SBS Member Feedback

Great Mortgage deal.

5
The re-mortgage process from beginning to end was professional, efficient and thorough. I felt as though as I was in 'safe hands'. Most important when dealing with such an important financial commitment. Reviewed on: 26th July 2023
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SBS Member Feedback

Excellent service, hassle free.

5
After having to withdraw a very time consuming mortgage application with another lender who were very difficult to deal with, my broker recommended Scottish Building Society and i couldn't have been happier, swift action, no fuss and prompt results. Would recommend. Reviewed on: 25th July 2023
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SBS Member Feedback

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
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SBS Member Feedback

Good service

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

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