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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (367 reviews)

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4.67

Based on 367 reviews, last reviewed 5th Sep 2025

80% increase 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

Incredibly helpful and quick customer service team. Incredibly helpful and quick customer service team. Spoke to Erin who was fantastic and got my query regarding mortgage overpayments sorted in Reviewed on: 5th September 2025

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The application process is very outdated The application process is very outdated and of a legacy nature.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 (367)

Re-morgage

John Boyd provided an excellent and highly professional service. His responses were fast and efficient, and I would highly recommend him. Thank you to John and the team. Reviewed on: 29th November 2021

Friendly Efficient Local Building Society

Fantastic local Building Society Reviewed on: 29th November 2021

Excellent personalised service

We were first attracted to SBS by the fact that it is a mutual organisation, owned and run for the benefit of its members. Unlike many other financial institutions is not primarily motivated by maximising profit and has a strong ethical commitment. What we didn’t expect, when we first became SBS members, was an incredible personalised service from dedicated professionals. The fact that we can talk to the same person about an issue rather than have to go through a call centre has been invaluable. Advice has always been provided clearly, in a timely and pleasant manner. The level of service provided is second to none, particularly during Covid which must have challenging. The high level of service was maintained and the reassurance and expertise provided was invaluable. Reviewed on: 16th November 2021

Website is outdated

Called and wasted my time completely to find out that they haven’t update their website, so that I now won’t qualify despite prior it appearing that I would. Reviewed on: 3rd November 2021

Peter McSherry was great.

We applied for additional borrowing against our existing mortgage with SBS and Peter McSherry was spot on from the beginning with what was a bit of a complex application for us. His advice and explanations definitely show his experience. Thank you!! Reviewed on: 16th September 2021

Very understandable procedure

The staff is very professional and consistent, they will lead you through the whole process and ask understandable questions. Managers let you time and possibility to fulfill papers/ answers needed. The package of documents you receive is very simple and thorough. Reviewed on: 24th July 2021

Intermediary viewpoint

SBS, when I have used them, have always been brilliant. The BDM is always on hand to run things by as they are more bespoke than most high street lenders. Their products have definitely improved over the last few years and the service I get from the whole team, including being able to talk to the underwriter, is second to none. Reviewed on: 20th May 2021

Easy to deal with

I took out a self-build mortgage and was delighted at how simple the process was. Being able to deal face to face with a member of staff is a very big bonus and the aftercare was excellent. As a result I have remained with SBS since completing the build, converting to their standard variable rate mortgage product. Reviewed on: 4th May 2021

Mortgage review

Thorough, efficient, trustworthy Reviewed on: 1st May 2021

Delighted customer of 12years

We’ve been happy mortgage customers for 12 years. A choice of excellent, fair products. Great communication. Helpful & professional staff. Would recommend without hesitation. Reviewed on: 29th April 2021

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