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Scottish Building Society: Mortgages 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
See only 5 star reviews
76%
See only 4 star reviews
17%
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4%
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2%
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1%

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The application process is very outdated The application process is very outdated and of a legacy nature.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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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 (378)

Remortgage of Property

4
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
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SBS Member Feedback

Customer friendly

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

MR JOHN MCKELL

5
I USED A FINACIAL ADVISER, DAVID MUNRO. EVERTHING WAS COMPLETED QUICKLY AND WITHOUT FUSS. Reviewed on: 5th January 2023
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SBS Member Feedback

No major concerns.

4
All fine really, main concern was that after notifying you of a change of address, various correspondence was still sent to the old address. Reviewed on: 5th January 2023
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SBS Member Feedback

Excellent Service

5
Straightforward, very helpful, good communication. These are all the factors than you need when arranging a new mortgage. Reviewed on: 5th January 2023
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SBS Member Feedback

Scottish Building Society Branch Review

5
The Scottish looked at us as people, not just what was written down. Reviewed on: 5th January 2023
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Verified Member

Scottish Building Society Branch Review

5
Prompt action when remortgaging with accurate updates, very professional and efficient. Reviewed on: 1st January 2023
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Verified Member

Extremely relieved to find a mortgage lender who considers drawdown pensions

5
My experience of trying to obtain a mortgage using one of my drawdown pensions as income was disappointing and very worrying. I felt that my plans of buying a retirement bungalow were not going to happen, until my mortgage broker found Scottish Building Society. They were happy to use my drawdown pension along with my works pension as income and offered me a retirement mortgage that is affordable and flexible. I am extremely happy with the service they have provided. Reviewed on: 30th December 2022
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SBS Member Feedback

Efficient, straightforward, friendly service

4
I secured a lifetime mortgage to enable me to remain in my home after marital separation. At all times my interactions with the Society’s staff were stress free and positive, Reviewed on: 30th December 2022
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SBS Member Feedback

Remortgage Application - quick & easy

5
I recently remortgaged to Scottish Building society and also took additional funds to consolidate debt, I was turned down by other lenders but SBS look at the bigger picture and were able to help. Great customer service throughout and I am glad I went with SBS!! Reviewed on: 29th December 2022
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SBS Member Feedback

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