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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.68 (378 reviews)

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4.68

Based on 378 reviews, last reviewed 17th Apr 2026

150% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

76%

17%

Latest highest rating:

5

Great to deal with on the phone. Great to deal with on the phone. 10/10 Amy Reviewed on: 17th April 2026

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The application process is very outdated The application process is very outdated and of a legacy nature.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

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Scottish Building Society Mortgages reviews (378)

Process was hard work, slow and no online presence

Your process required a huge amount of financial evidence, including personal questions (eg why are you sending £50 to your mum a week?) Despite being a very affordable borrowing. I have had many mortgages in the past and this was the most information I have ever had to produce. Your legal team were very slow and obviously working to a tight margin, pushing most of the work onto us as clients. Their process cost us 2 weeks unnecessary delay in completion costing us hundreds of pounds at SVR. My complaint to S&M received a very weak reply ie we are very busy at the moment and your case handler has been off sick. It would also be good to be able to view our balance online. The fact you contacted my husband for feedback despite me having dealt with the whole process is also very disappointing. Reviewed on: 7th February 2023

Mortgage

Our mortgage went through without any hassle. Set up etc. went smoothly. Reviewed on: 7th February 2023

Very satisfied

I was very satisfied with your service, very helpful. Reviewed on: 7th February 2023

Practical and effective support through postal strike

Easy to get through to on the phone to resolve paperwork issues and maintain move if date. Easy to work with. Pragmatic though postal strike. Reviewed on: 7th February 2023

Excellent customer service

Excellent company. Peter McSherry was brilliant to deal with. They go out of their way to help and make mortgage application a clear and friendly process. Highly recommended! Reviewed on: 6th February 2023

Mortgage refused for trivial purposes

Took a valuation fee of £360 after mortgage being approved in principle. Underwriters then rejected mortgage application on basis of applicant "spending too much in last few months" on a particular entertianment hobby, despite LTV of 60%, substantial savings and high salary. No credit check done either. Absolute despicable charlatans, avoid like the plague and use a mortgage provider that doesn't shaft you without reason. CEO emailed and let's see what the repsonse is. Amateurs! Reviewed on: 5th February 2023

Excellent personal service.

Excellent experience. Very professional and showed great compassion during what was a very stressful time . Reviewed on: 3rd February 2023

Scottish Building Society Branch Review

Fantastic service - communications were excellent. I would recommend to friends and family. Kay has been helpful throughout. Reviewed on: 27th January 2023

Helpful, Friendly and professional

From start to finish, it was a very smooth process. Reviewed on: 17th January 2023

Excellent service from Scottish Building Society

My move to Orkney was tricky but I couldn't have done it without Scottish Building Society. My first mortgage was agreed in principle by another lender but they declined to offer for property in Orkney! My adviser directed my request to SBS and they came up trumps with a good offer. When the sale was delayed they enabled me to extend the offer, and when it eventually fell through they gave me a second offer on another property. Admittedly this couldn't be as good an offer as the first due to the economic downturn but their quick response enabled me to stay in the limits of my finances before the worst of the increases came through. Reviewed on: 15th January 2023

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