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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.8 (381 reviews)

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4.80

Based on 381 reviews, last reviewed 13th Jun 2026

250% 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

All staff friendly and helpful and welcoming All staff friendly and helpful and welcoming Reviewed on: 13th June 2026

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The application process is very outdated The application process is very outdated and of a legacy nature.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 (381)

Extremely relieved to find a mortgage lender who considers drawdown pensions

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

Efficient, straightforward, friendly service

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

Remortgage Application - quick & easy

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

Excellent customer service and product knowledge

The lending proposition was difficult and the individual assessment of the Society Underwriting is very refreshing in the marketplace. Reviewed on: 23rd December 2022

Smooth remortgage, no issues

Simple and straight forward, easy transaction, good communication Reviewed on: 22nd December 2022

Excellent Mortgage Lender

Throughout I have found them to maintain excellent communications. One major thing that stood out to me was when you call the bank you are connected to an advisor within minutes and they are pleasant and very helpful. This is not always the case with these types of establishments. Easy to deal with. Reviewed on: 7th December 2022

Scottish Building Society Branch Review

Easy to contact, customer service is first class efficient case management Reviewed on: 30th November 2022

A fast and easy experience

Got a great offer and it was turned around quickly. Reviewed on: 29th November 2022

Great service

Great service so helpful and made the process very easy and smooth Reviewed on: 18th November 2022

The deal was good, the application process was slowwwwwww

There was an awful lot of to/fro to get to the finish line. Glad we did as the deal was ok, but the number of "post application" questions that came up that I hadn't previously been informed of delayed things for weeks and weeks and caused a lot of stress. It wasn't helped by going through a broker which meant I was one step removed from the lender. Got there in the end and hopefully it will be smooth sailing ongoing. Reviewed on: 17th November 2022

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