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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (373 reviews)

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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

75%

18%

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

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The application process is very outdated The application process is very outdated and of a legacy nature.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

Scottish Building Society Mortgages reviews (373)

Review of the Scottish Building Society, Mortgages:

It's fair to say I've a fairly complex income(4 priv...

It's fair to say I've a fairly complex income(4 private employers and a mix of short and long contracts which end regularly.) However nowadays, this isn't totally outwith modern ways of working. In terms of risk- I had a large deposit, 17yrs of proven sustainable income from the same industry, excellent credit rating and a mortgage already in place but I was saddened to see many banks still apply such a rigid underwriting process for their mortgages. My broker was advised by some larger lenders to not even bother applying and I was offered borrowing that really was no where near in proportion to my salary. 7 weeks later, my broker suggested The Scottish Building Society. We required a lender who gave consideration to my individual circumstances, focused on the facts I'd given with my work vs asking what ifs and were able to show us flexibility ( for example I had a new contract but I'd been same job for 17yrs. My contracts may end but again, the industry is children so the nature of the work won't end.) The Scottish Building Society applied common sense with the application and demonstrated a straight forward,personalised approach to their lending. They worked efficiently , always meeting their deadlines they gave us and provided me with a better interest rate. I've also preferred their communication method through mail or phone- I've found it more refreshing than speaking to an online chat. I'd highly recommend The Scottish Building Society for their underwriting process, interest rate and communication and would always return to them in future before trying any larger bank. Reviewed on: 2nd May 2024

Great customer service

Great customer service,good to know older people can get a mortgage Reviewed on: 18th July 2025

Smooth process and positive experience

Very smooth process, liked the fact this was a mutual society and a historical presence in the mortgage market. Staff were very helpful, I had to call for some advice and found they answered the phone quickly, had the answer I needed and were very easy to communicate with, that's a big positive for me. Reviewed on: 18th July 2025

It was a limited experience through a mortgage broke...

It was a limited experience through a mortgage broker but one which was completed quickly and efficiently. Reviewed on: 17th July 2025

My mortgage was easily and quickly arranged.

My mortgage was easily and quickly arranged. Reviewed on: 16th July 2025

They were always very helpful when I needed help

They were always very helpful when I needed help or advice regarding our mortgage and were surprisingly quick at replying to emails. Reviewed on: 15th July 2025

A very positive experience

A very positive experience in setting up then extending a mortgage with my daughter for her flat, Scottish Building Society mortgage advisors from the outset were very straightforward to communicate with. Have been a few hiccups in the process but their team have been consistently helpful & approachable . Reviewed on: 24th June 2025

Excellent Service a

I had an excellent service and no complaints whatsoever. Reviewed on: 20th May 2025

Remortgage process was smooth.

Remortgage process was smooth. All OK, thank you Reviewed on: 15th May 2025

Everything went smoothly with the mortgage, app wor...

Everything went smoothly with the mortgage, app works well and cus69mwr advisors were polite and knowledgeable. Reviewed on: 15th May 2025

Good experience

Overall a good experience, but took quite a long time to give a decision Reviewed on: 15th May 2025

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