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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
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See only 4 star reviews
18%
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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
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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The application process is very outdated The application process is very outdated and of a legacy nature.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)

Thorough, friendly support

4
Very good rate offered through broker (Landc) Completion of questions and provision of information was very detailed (eg copies of bank accounts etc) which was good but the requests came in phases - we would provide one lot and then more was asked for. The final outcome was very satisfactory and reassuring. The personal support provided and offered looks excellent (through Lisa Soutar). Reviewed on: 12th May 2023
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SBS Member Feedback

Top marks.

5
In the short time I have been with the Scottish Building Society I have been impressed by the helpful and courtesy of the assistants to whom I have spoken. Reviewed on: 12th May 2023
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SBS Member Feedback

An independent person centred building society

5
I enjoyed the experience of working with the Scottish Building society as it offers an individual approach for people with diverse needs. Reviewed on: 11th May 2023
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SBS Member Feedback

Helpful staff but slow process

3
Firstly I'd like to say that the staff were incredibly friendly and helpful if I called up with a query or concern and the rates are very reasonable compared to other lenders so we are overall happy. Our only issue though was the insistence on doing everything by post in a time when it can be done electronically. This was heightened by there being a postal strike, however we received a lot of pressure from the seller as a result of how long it took, and this caused us a great deal of stress and sleepless nights as we were buying our first home in such a turbulent time for the market. In summary, great staff, reasonable rates but slow service. Reviewed on: 30th April 2023
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SBS Member Feedback

Good service and kept informed

5
I was recommended Scottish Building Society by a broker. SBS and my broker kept me informed throughout the process and the property purchase was seamless. Reviewed on: 28th April 2023
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SBS Member Feedback

Review of Scottish Building society

4
I found the process of obtaining a mortgage from Scottish Building Society rather difficult and over complicated. They were overly prescriptive requiring questions to be answered that I have never come across previously when applying for a mortgage from other v=building societies As a result, the process took far longer than was perhaps necessary as some of the required information was highly detailed and took a very long time to acquire. Reviewed on: 27th April 2023
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SBS Member Feedback

Great service

5
Excellent service throughout. No issues. Reviewed on: 26th April 2023
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SBS Member Feedback

Mortgage was approved and went through without any problems

5
Once mortgage was approved all paperwork came explaining payment details, did not experience any issues and was dealt with professionally. Reviewed on: 26th April 2023
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SBS Member Feedback

Great service

5
Very helpfully, Often calling to see if anything could be done. Reviewed on: 21st April 2023
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SBS Member Feedback

Highly recommend

5
We have been mortgage customers for around 14 years. We have always received excellent service. We are treated fairly and as individuals. I have always felt valued. Any requests have been dealt with promptly and to our satisfaction. I trust the Scottish Building Society and would highly recommend. Reviewed on: 13th April 2023
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SBS Member Feedback

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