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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (351 reviews)

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4.65

Based on 351 reviews, last reviewed 25th Apr 2025

20% 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

Super friendly and helpful! Recently took out a mortgage with SBS as a first time buyer & the staff I've spoken to have been super friendly and always eager to help in any way th... Read more Reviewed on: 25th April 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The application process is very outdated The application process is very outdated and of a legacy nature.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

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.

Scottish Building Society Mortgages reviews (351)

Review of the Scottish Building Society, Mortgages:

Free legals cost £1200!

SBS offered mortgages to older people so we were interested. We asked for less than 40% LTV. They asked for an exhausting amount of extra financial info, including about two other investment houses we own. Once started, SBS were surprised to learn that we lived in England despite having had that info for months. As a result they changed the free legals to a £250 contribution to our English legals, which were £650. Once in process they insisted on a further legal form which had to be administered by a lawyer, costing a further £600. Mortgage completed 5 months after initiation at a net legal cost of £1000. Very stressful. Reviewed on: 11th October 2023

Lifetime Mortgagr

Very efficient and speedy response when obtaining a lifetime mortgage Reviewed on: 14th November 2024

Breath of fresh air putting customers first

The customer experience I have had at Scottish Building Society it that you get the personal touch it feels much more customer focused and one on one not that you are just a number. It's a breath of fresh air. Reviewed on: 27th October 2024

Retirement mortgage

Arranged our retirement mortgage, yes there was a lot of paperwork required, but found them extremely flexible and helpful. Would strongly recommend them if you are after a similar product Reviewed on: 17th October 2024

SBS offered the specialises Guarantor Mortgage produ...

SBS offered the specialises Guarantor Mortgage product that we required. The application was very thorough, verging at times on painstaking and it was carried out within a tight timescale allowing toe property to be purchased in time for the start of the University term. The communication between SBS and our financial adviser Claudia Kydd at Orchard Independent was highly professional extremely prompt and very helpful Reviewed on: 20th September 2024

Reviewer

The review of my documents was slow and over cautious Reviewed on: 6th September 2024

Reliable and Reassuring

Scottish Building Society were very fast in replying to any questions or queries I had and happy to change minor details for me, which was very reassuring and put my mind at ease during a busy and stressful time buying my first home. Reviewed on: 6th September 2024

Overall straightforward and clear, no suprises

Overall straightforward and clear, no suprises Reviewed on: 29th August 2024

Self Build Mortgage - great product and service

Self Build Mortgage - great product and service Reviewed on: 29th August 2024

First Class

From start to completion this we thought was an excellent service. All communication either by phone or post was first class. Reviewed on: 27th August 2024

Home remortgaged

this was the best way to take money from our house with a mortgage.we pay monthly interest & our house doesnt decrease in value Reviewed on: 23rd August 2024

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