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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (347 reviews)

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4.64

Based on 347 reviews, last reviewed 3rd Feb 2025

17% 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

I just like them and I felt the need to say it. I just like them and I felt the need to say it. I like how I'm not trying to tell a robot what I am calling about. I like the wait times when I call u... Read more Reviewed on: 3rd February 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The application process is very outdated The application process is very outdated and of a legacy nature.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 (347)

Review of the Scottish Building Society, Mortgages:

Old school service but in the best way.

Old school service but in the best way. Personal touch and friendly customer service. Reviewed on: 28th December 2024

Easy Money!

I was put in touch with Scottish Building Society via a financial advisor who had recommended them because one of their products suited my financial needs. The documentation was easily completed and their positive response was quick. From acceptance to completion only took a few weeks allowing me to put my plans into action. Reviewed on: 12th January 2023

Slow and antiquated with very poor service from third party providers.

We were very happy to be joining SBS - and still are - but it has been a painful and slow process to get here. We began a straightforward remortgage in mid August- our mortgage finally drew down in mid November and cost us over £200 in excess interest as a result. It took over six weeks to receive a mortgage offer. The broker (MAB) was only interested in securing his referral fee and progress with the application was then only made after constant chasing and direct intervention from us. Every time we called SBS direct the service was excellent. The legal service from Simpson Marwick was like something from the 1990s. A fax was even used on some occasions! The 'solicitor' was clearly following a one size fits all step by step tick box process, with no willingness to combine steps or anticipate what might be needed next. Early contact was only by post and required hand written completion of basic details forms - no digitisation at all. Since telephone contact was impossible throughout the process (just office answerphone) we were required to enter into lenghty email exchanges to resolve questions - with typically up to 24 hours between responses. Ultimately this resulted in us missing our remortgage deadline and incurring significantly higher interest costs. Overall, we are happy to be with SBS but your third party suppliers are letting you down in a major way and damaging your brand. My advice would be to bring as much of the process as possible back in house because your own people are excellent! Reviewed on: 12th January 2023

Prompt in response

Was let down at last minute by another company, SBS managed to turn my application round in 10 days and they offered better deal than previous bank Santander. Reviewed on: 10th January 2023

Remortgage

No issues process carried out with aid of financial advisor Reviewed on: 10th January 2023

Scottish Building Society Branch Review

Seems to be efficient, quick to make offer and has competitive rates, I think you could probably do a lot of this electronically though. Reviewed on: 9th January 2023

Professional customer service

We are absolutely satisfied with Scottish Building Society’s customer service. They are always available by phone, our queries were replied in a timely manner, mortgage process was going smoothly. Reviewed on: 5th January 2023

First time buyers

Excellent experience from start to finish first time buyers, they are very understanding would highly recommend Reviewed on: 5th January 2023

Want a mortgage then give SBS a call

Very quick processing of application to offer in principle. Great communication throughout, and a good rate as well. The product range is also good and they had exactly what we were looking for. Overall I cannot recommend SBS highly enough. Reviewed on: 5th January 2023

Remortgage of Property

Remortgaged our property with the Scottish Building Society through broker “Fluent”. The experience was a pleasant one and reasonably straight forward. The remortgage took slightly longer to finalise but this was due to going through the broker. Reviewed on: 5th January 2023

Customer friendly

Mortgage was way to set up. Staff were efficient and friendly. Explained everything properly Reviewed on: 5th January 2023

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