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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (365 reviews)

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4.66

Based on 365 reviews, last reviewed 30th Jul 2025

17% 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:

5

I needed assistance regarding title deeds and Katie... I needed assistance regarding title deeds and Katie has taken the relevant details to pass onto the relevant department in order to give me an appropr... Read more Reviewed on: 30th July 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The application process is very outdated The application process is very outdated and of a legacy nature.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

Scottish Building Society have been helping people buy properties in Scotland since 1848.

Scottish Building Society mortgages are available for remortgages, self-builds, holiday lets, retirement interest only, entrepreneurs and standard residential loans.

Scottish Building Society mortgage reviews help you find out what it’s really like to be a customer. If you’ve used Scottish Building Society before, you can also leave a review and share your experience.

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Scottish Building Society Mortgages reviews (365)

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

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

Dissatisfied

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

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

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