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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.67 (373 reviews)

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4.67

Based on 373 reviews, last reviewed 24th Dec 2025

83% 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

Great Service The Customer Service Team are very efficient, friendly and do everything they can to make things pleasant and easy. Reviewed on: 24th December 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The application process is very outdated The application process is very outdated and of a legacy nature.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.

Scottish Building Society Mortgages reviews (373)

Review of the Scottish Building Society, Mortgages:

Free legals cost £1200!

SBS offered mortgages to older people so we were interested. We asked for less than 40% LTV. They asked for an exhausting amount of extra financial info, including about two other investment houses we own. Once started, SBS were surprised to learn that we lived in England despite having had that info for months. As a result they changed the free legals to a £250 contribution to our English legals, which were £650. Once in process they insisted on a further legal form which had to be administered by a lawyer, costing a further £600. Mortgage completed 5 months after initiation at a net legal cost of £1000. Very stressful. Reviewed on: 11th October 2023

Mortgage review

Very polite staff - fast, efficient working Reviewed on: 11th December 2020

Mortgage review

Very friendly and approachable. They dealt with my application very promptly. Reviewed on: 4th December 2020

Harsh criteria for first time buyers

I’m a first time buyer and was hopeful of meeting the criteria for a 90% LTV mortgage. As part of the criteria you must have a specific job and/ or specific qualifications. One of the specific professions is a practising accountant on the ICAS register. This building society has failed to recognise that there are many different strands of accountancy as well as accountancy qualifications. Not all accountants choose to study ICAS. Some choose to study ACCA, CIMA, CTA or ICAEW. Because I chose to study CTA (instead of ICAS) I have been penalised and I’m ineligible for the 90% LTV mortgage. Because of discriminatory criteria first time buyers do struggle to get on to the property ladder. I strongly suggest that this building society revisits their policy. Reviewed on: 9th November 2020

Reply from Scottish Building Society Hi Nadida. We are sorry we weren't able to progress your application for a 90% LTV mortgage. Our Professional Mortgages are available to individuals regsitered with a number of governing bodies. In addition to ICAS we also consider applications from accountants registered with ACCA, CIMA and CIPFA. Response date: 10th November 2020

Mortgage review

I like how easy SBS were to sort out my mortgage and how quick the process took. Reviewed on: 12th October 2020

Mortgage review

Peter McSherry's service has been second to none throughout. He has kept us at ease through the full process and has been so helpful and knowledgeable. Reviewed on: 28th September 2020

Mortgage

I am a first-time buyer that was looking for a mortgage to be arranged during the current COVID pandemic and subsequent lockdowns. I found my adviser, Peter McSherry, to be informative and very efficient. Peter was aware of our tight deadline and kept us updated and reassured us. Excellent service and would recommend to anyone looking for good customer service and a smooth application process. Reviewed on: 24th September 2020

Mortgage review

Request for employer reference was mistakenly forgotten but was rectified promptly and communication was great. Thank you ! Reviewed on: 21st September 2020

Mortgage review

Good range of products. Good recognition of act for those over 70 Reviewed on: 11th September 2020

Mortgage review

Very quick and efficient service. Grateful for your willingless to lend in these difficult times Reviewed on: 11th August 2020

Mortgage Review

More communication would be good Reviewed on: 22nd June 2020

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Scottish Building Society: Mortgages reviews

83% decrease in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Scottish Building Society Mortgages reviews (373)

Free legals cost £1200!

Mortgage review

Mortgage review

Harsh criteria for first time buyers

Mortgage review

Mortgage review

Mortgage

Mortgage review

Mortgage review

Mortgage review

Mortgage Review

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