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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (353 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

75%

18%

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

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The application process is very outdated The application process is very outdated and of a legacy nature.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

Process is fine, account management is poor

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

Overall happy but very long process

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

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

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

Great service

Effective and personal service in all aspects. Great communication throughout. Reviewed on: 23rd July 2023

People

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

Satisfactory

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

Friendly and personal

Appreciated their work with our brokers which went smoothly, with a lot of due diligence by SBS on our financial position. Reviewed on: 1st July 2023

Great service, by people!!

Applied for a remortgage, and although the process was relatively long, I was heartened by the fact that parole, not computers, were making the decisions. Refreshing to get some proper customer service. Would definitely recommend. Reviewed on: 29th June 2023

Judith Barr-Lundie

Totally happy with the service especially the team at Simpson Marwick in particular Linda Bryson who was exceptional on her customer service. Happy customer! Reviewed on: 27th June 2023

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