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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (372 reviews)

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4.69

Based on 372 reviews, last reviewed 27th Oct 2025

25% 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

Approachable, Friendly, Professional Extremely approachable, good range of products, specialists in Scottish lending. Reviewed on: 27th October 2025

Verified source

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The application process is very outdated The application process is very outdated and of a legacy nature.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 (372)

A mortgage provider that has a friendly, human touch!

As first time buyers, we found Scottish Building Society made the whole process of getting our mortgage simple, efficient and friendly. They definitely have the human touch over other mortgage providers and our broker, who has vast experience in the industry, assured us we'd be in good hands with Scottish. Reviewed on: 26th April 2025

Super friendly and helpful!

Recently took out a mortgage with SBS as a first time buyer & the staff I've spoken to have been super friendly and always eager to help in any way that they can which has been great! Reviewed on: 25th April 2025

The whole experience was smooth throughout and I was...

The whole experience was smooth throughout and I was kept informed of the progress without having to ask for updates. Reviewed on: 24th April 2025

Overall a good experience

All completed in time. Underwriting experience pretty straightforward. Some delays in this process was only negative in whole experience, but our independent mortgage adviser kept on top of things and us informed throughout, so no complaints. Reviewed on: 9th April 2025

I've had my mortgage with the Scottish Building Soci...

I've had my mortgage with the Scottish Building Society for a number of years. Everything has gone so smoothly. On the one occasion I needed to contact them, to arrange an overpayment, their customer service was brilliant. Reviewed on: 4th March 2025

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 usually less than 30 seconds. I like how simple it is to renew my mortgage on to a new deal when my current one expires. Some of the advisors speak Scottish so there can be a bit of a language barrier but other than that friendly, quick and just really good. Reviewed on: 3rd February 2025

Efficient and stress-free

Fast and efficient service and would recommend to anyone. Reviewed on: 22nd January 2025

Clearer Information Please

Generally fine however it would have saved some confusion if in the mass of paperwork there was a summary sheet stating the amount the fee how the fee would be paid and explanation that the first payment is for the first two months and when it would be taken. All this information was obtained but only by contacting the Building Society and speaking to a helpful representative Reviewed on: 22nd January 2025

So grateful for this company

We applied at the wrong time of year really, but this is the only company willing to look at us for us, and not just a tick box. Extremely grateful to SBS for everything Reviewed on: 20th January 2025

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

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