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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

22% 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

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The application process is very outdated The application process is very outdated and of a legacy nature.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

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

In branch service review

All good. Could be better with technology. Reviewed on: 1st May 2024

Straightforward and implement to deal with

Good exerience. Simple to contact with a human being on the phone. Reviewed on: 9th April 2024

Very friendly service

Overall, my experience was very positive. However, the process was held up by uncertainty around a particular detail. This meant an inconvenient delay to the mortgage. This was a pity as, apart from the delay, I have very much appreciated becoming a member of the Scottish Building Society and its friendly service. Reviewed on: 27th March 2024

The process was very easy, staff were excellent and...

The process was very easy, staff were excellent and made us feel secure. Providing us with a mortgage has helped us get back to home ownership, something we wondered after a long period in the rental sector, would ever be possible again. Reviewed on: 11th March 2024

Excellent Customer Service

Spoke to Peter today re overpaying my mortgage. He could not have been more helpful. Patient and very clear explanation. Made everything very straightforward. Outstanding customer service. Thank you Reviewed on: 5th March 2024

Mortgage Redemption Procedure

Within 2 hours of seeking a redemption arrangement the necessary paperwork was in my possession. Furthermore there was only one phone call ! If there was to be a criticism it would be that the early redemption fee of over £2000 seemed excessive Reviewed on: 16th February 2024

Friendly and helpful.

Friendly and helpful. Very prompt in terms of communication. Clarity of information. Contact details easy to follow. Will have no problem if I have any issues. Reviewed on: 13th February 2024

SBS were efficient and communicative

SBS were efficient and communicated regular on the progress of my mortgage. Whilst I was waiting for the purchase of my house to go through, the mortgage rate dropped so SBS issued another mortgage offer with a lower rate and a longer term without me having to ask. The new Mortgage Offer documents arrived promptly, quick I sign the same day and returned. All sorted within 5 days ready for completion of my house. It's easy too deal with SBS and they have a customer contact number which is based in Scotland. This too me is very important that it's in the UK and not a call centre abroad. Reviewed on: 8th February 2024

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