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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (372 reviews)

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4.68

Based on 372 reviews, last reviewed 27th Oct 2025

60% 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The application process is very outdated The application process is very outdated and of a legacy nature.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)

Great product efficiently delivered.

I was looking for an equity release mortgage and my broker recommended the Scottish Building Society. Their documentation is easy to understand and complete. Only small critisism is that they sent the same documentation for completion at different stages of the process. All in all though a great customer experience and I would definitely recommend. Reviewed on: 15th July 2022

1st time buyer

After a rocky start to our process to purchase our first home with other providers we approached SBS who have been fantastic.. comparing to other providers I would say we had a more person centerd experience which is great as purchasing a home is one of the most stressful and serving processes we go through. We where kept upto date at all stages of our application and if we had any questions or something we where unsure of it was no hassle to speak to the advisors Reviewed on: 14th July 2022

Excellent

Excellent comminication and very quick at getting our mortgage sorted. Would highly recommend Reviewed on: 29th June 2022

A straightforward, efficient process

Following a recommendation by my broker, the process to get an offer along with a later updated offer was quick and simple. The Customer Service team were efficient and always ready to help when required. It was a refreshing change to be able to call a specific individual and get through to them immediately when required. Thank you for making the process simple and friendly! Reviewed on: 22nd June 2022

Good but very slow process

It was frustrating at times how slowly the underwriting process took with only getting my mortgage offer the day of the sale closure and this was with continuous prompting from solicitors and mortgage advisors. It is also frustrating that there is no online system or service for customers to access their mortgage information or account. Reviewed on: 14th June 2022

Absolutely fantastic

Amazing experience the Scottish building society made the journey simple and clear in which could be a stressful process. I know I will be using them again in the future. Reviewed on: 14th June 2022

Very efficient, courteous and professional.

A seamless and personal service. Much appreciated. Reviewed on: 14th June 2022

Very easy and straight forward process. The whole application was settled in a short period of time

Smooth from start to finish, thanks for making moving house a little less stressful Reviewed on: 12th June 2022

Great service

The overall experience and process was smooth, and completed expeditiously. Reviewed on: 10th June 2022

Good product, easily set up

With the help of our broker, a suitable mortgage product was identified and set up. All correspondence was quick and secure on-line. Reviewed on: 9th June 2022

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