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Scottish Building Society: Mortgages reviews

View other Scottish Building Society products
4.69
Based on 373 reviews, last reviewed 24th Dec 2025
60% 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%
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2%
See only 1 star reviews
1%

Latest highest rating:

5

Great Service The Customer Service Team are very efficient, friendly and do everything they can to make things pleasant and easy. Reviewed on: 24th December 2025
Gerald C's avatar
Gerald C

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The application process is very outdated The application process is very outdated and of a legacy nature.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

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 (373)

All good

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