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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (350 reviews)

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4.65

Based on 350 reviews, last reviewed 24th Apr 2025

40% 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

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

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The application process is very outdated The application process is very outdated and of a legacy nature.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

Securing your dream home is the goal, but finding the perfect mortgage is an important step along the way. We collect Scottish Building Society mortgage reviews from existing borrowers to help you make an informed decision.

Scottish Building Society is the oldest remaining building society in the world, offering a range of mortgage products. Before taking out a mortgage product, make sure that you’re confident that you understand the terms, conditions and interest rates. Always consult the lender or an independent advisor if you’re unsure or have any questions.

Are you looking for a mortgage with Scottish Building Society? Read the reviews on Smart Money People to find out what existing customers have to say about their experiences. Learn which mortgage product they have and how satisfied they have been throughout the term. Find out how well the lender has kept borrowers updated with any mortgage news and changes. Learn all of this and more in our Scottish Building Society mortgage reviews.

Have you got a mortgage with Scottish Building Society? Share your experience with others on Smart Money People. Tell us about the application process: was it easy to understand? Did you have any unusual circumstances that made it difficult to find the right lender? How would you rate Scottish Building Society’s customer service? Would you recommend the lender to family and friends? Whether good or bad, write a Scottish Building Society mortgage review today. Together, we can help people like you make better financial decisions.

Scottish Building Society Mortgages reviews (350)

Review of the Scottish Building Society, Mortgages:

Excellent

Great service from start to finish. Excellent communication and prompt responses. Approved my mortgage despite slightly complex financial circumstances. Sorted me out well and helped me settled into our new home which is also our first one. Thank you for everything and keep up the excellent work. Reviewed on: 26th April 2022

Professional, helpful, friendly

Excellent service provided. Clear communication and explanation in a professional, friendly and non-patronising way. Reviewed on: 12th June 2024

there were difficulties in the initial processes

there were difficulties in the initial processes in communication. This caused unnecessary delays which could have been avoided there seemed to be so many people involved in the decision making process at SBS end of the arrangement. Reviewed on: 10th June 2024

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 lenders. The process to sign documents and setup direct debit has too many opportunities for error and mistakes. The communications were okay in terms of providing important information though. Theres also no way to track mortgage payments or balances via an app or through online banking which in 2024 is difficult to accept. Reviewed on: 10th June 2024

Quick response to our enquiry

Basically we had a quick response to our enquiry so we were able to proceed with the application. Scottish BS was the only financial institution that considered us for a remortgage. Reviewed on: 7th June 2024

Was a great experience for buying our first home wou...

Was a great experience for buying our first home would of liked to receive a bigger loan to have left a bit of wiggle room to do up the new home with money I used for deposit but I get that it was based off my current wage so don’t hold a grudge about it Reviewed on: 7th June 2024

Excellent service

Very easy and quick to deal with Reviewed on: 6th June 2024

Responded quickly, went through mortgage advisor, cl...

Responded quickly, went through mortgage advisor, clear documentation Reviewed on: 28th May 2024

In branch service review

There was a longer than expected delay in processing my application which I was told was due to the volume of applications. Reviewed on: 23rd May 2024

I dealt mainly with Kay Baird in your Glasgow office...

I dealt mainly with Kay Baird in your Glasgow office who has been courteous helpful and professional at all times.rs Reviewed on: 14th May 2024

It's fair to say I've a fairly complex income(4 priv...

It's fair to say I've a fairly complex income(4 private employers and a mix of short and long contracts which end regularly.) However nowadays, this isn't totally outwith modern ways of working. In terms of risk- I had a large deposit, 17yrs of proven sustainable income from the same industry, excellent credit rating and a mortgage already in place but I was saddened to see many banks still apply such a rigid underwriting process for their mortgages. My broker was advised by some larger lenders to not even bother applying and I was offered borrowing that really was no where near in proportion to my salary. 7 weeks later, my broker suggested The Scottish Building Society. We required a lender who gave consideration to my individual circumstances, focused on the facts I'd given with my work vs asking what ifs and were able to show us flexibility ( for example I had a new contract but I'd been same job for 17yrs. My contracts may end but again, the industry is children so the nature of the work won't end.) The Scottish Building Society applied common sense with the application and demonstrated a straight forward,personalised approach to their lending. They worked efficiently , always meeting their deadlines they gave us and provided me with a better interest rate. I've also preferred their communication method through mail or phone- I've found it more refreshing than speaking to an online chat. I'd highly recommend The Scottish Building Society for their underwriting process, interest rate and communication and would always return to them in future before trying any larger bank. Reviewed on: 2nd May 2024

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