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Scottish Building Society: Mortgages 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
See only 5 star reviews
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See only 4 star reviews
18%
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2%
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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The application process is very outdated The application process is very outdated and of a legacy nature.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)

excellent

5
really easy to use, friendly advice, nice colleagues and a good product Reviewed on: 16th March 2023
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SBS Member Feedback

Good rates but slow

3
The rates are fantastic and were cheapest at the time of applying however it felt like I was applying for a mortgage in 1980. It’s a shame as I used the Scottish building society app to prove my identity which was brilliant and then was never told to use it again. Everything was done by post. I personally think 3 months to set up a mortgage is too long, All that been said, I would still use SBS again in the future if the rates were the most competitive. I just think modernising the application process would be a brilliant step forward. Reviewed on: 16th March 2023
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SBS Member Feedback

Easy process

4
A modern and easy application process with good amount of communication Reviewed on: 16th March 2023
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SBS Member Feedback

Got there eventually!

3
The process for approval is cumbersome compared to previous lenders RBS and Santander. Got there eventually though after providing documents I’d never been asked for before! Reviewed on: 16th March 2023
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SBS Member Feedback

Good

5
We had no problem with setting up our mortgage for the Scottish Building Society. We did have some small issues with the legal side which caused some delay however nothing that would stop me from recommending them. Reviewed on: 15th March 2023
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SBS Member Feedback

Smooth and efficient process.

5
Nothing to add, the process was smooth and efficient. Reviewed on: 15th March 2023
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SBS Member Feedback

Financial advisor got us best deal with Scottish building society.

4
Didn’t encounter any difficulties with getting mortgage from Scottish Building Society. Reviewed on: 15th March 2023
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SBS Member Feedback

Scottish Building Society Branch Review

5
We had our mortgage for the house of Reviewed on: 13th March 2023
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Verified Member

Scottish Building Society Branch Review

5
I felt that the Scottish Building Society considered my application in a fair and individual way. Reviewed on: 13th March 2023
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Verified Member

Good process

5
Easy process with updates along the way. Good discounted rates. Reviewed on: 10th March 2023
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SBS Member Feedback

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