Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Scottish Building Society: Mortgages reviews

View other Scottish Building Society products
4.80
Based on 381 reviews, last reviewed 13th Jun 2026
250% 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
76%
See only 4 star reviews
17%
See only 3 star reviews
4%
See only 2 star reviews
2%
See only 1 star reviews
1%

Latest highest rating:

5

All staff friendly and helpful and welcoming All staff friendly and helpful and welcoming Reviewed on: 13th June 2026
stephen-jackson@hotmail.co.uk's avatar
[email protected]

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The application process is very outdated The application process is very outdated and of a legacy nature.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
Visit provider site Read all reviews Write a review

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.

Review Scottish Building Society: Mortgages now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Scottish Building Society Mortgages reviews (381)

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
Verified Member's avatar
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
SBS Member Feedback's avatar
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
SBS Member Feedback's avatar
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
SBS Member Feedback's avatar
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
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

Do you have a different Scottish Building Society product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Scottish Building Society?

    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill