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Scottish Building Society: Mortgages reviews

View other Scottish Building Society products
4.82
Based on 386 reviews, last reviewed 19th Aug 2026
14% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
76%
See only 4 star reviews
17%
See only 3 star reviews
4%
See only 2 star reviews
2%
See only 1 star reviews
1%

Latest highest rating:

5

Shirley McIntosh, Inverness Today Shirley helped with my issues logging into the new online portal. She was super friendly and patient throughout the whole process. Thank you so ... Read more Reviewed on: 19th August 2026
Mani C's avatar
Mani C

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The application process is very outdated The application process is very outdated and of a legacy nature.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
Chris Kelly's avatar
Chris Kelly
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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 (386)

Best rate available,honoured the initial interest ra...

4
Best rate available,honoured the initial interest rate after rates rises Reviewed on: 9th July 2024
Scott 's avatar
Scott

Simple and relatively quick.

4
Simple and relatively quick. Got us sorted easy enough, and interest rate was okay. Reviewed on: 5th July 2024
Conan McGuire 's avatar
Conan McGuire

Information clear with excellent explanations.

5
Information clear with excellent explanations. Helpful staff, very easy to deal with and very quick service. Reviewed on: 28th June 2024
Catherine W's avatar
Catherine W

New customer very friendly & efficient

5
New customer very friendly & efficient Reviewed on: 27th June 2024
Stuart S's avatar
Stuart S

Highly recommend

5
Everything went well with our remortgage and we appreciate that SB honoured the original offer while we had to wait for my EU settlement status Reviewed on: 26th June 2024
Larisa O's avatar
Larisa O

very satisfied customers

5
We used a Mortgage Broker to apply for our mortgage so did not deal directly with SBS, however, both our Mortgage Broker and Solicitor could not praise SBS highly enough. SBS responded very quickly to queries at critical points in our purchase. We were able to find a mortgage product that suited our needs perfectly at a good rate. The welcome phone call from customer service to welcome us as new customers is something we have not had before and were pleasantly surprised. We are very satisfied customers. Reviewed on: 25th June 2024
Alistair M's avatar
Alistair M

Professional, helpful, friendly

5
Excellent service provided. Clear communication and explanation in a professional, friendly and non-patronising way. Reviewed on: 12th June 2024
Verified Member's avatar
Verified Member

there were difficulties in the initial processes

4
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
Raymond Grant's avatar
Raymond Grant

The application process is very outdated

2
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
Chris Kelly's avatar
Chris Kelly

Quick response to our enquiry

5
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
Andrea W's avatar
Andrea W

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