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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (352 reviews)

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4.66

Based on 352 reviews, last reviewed 26th Apr 2025

25% 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

A mortgage provider that has a friendly, human touch! As first time buyers, we found Scottish Building Society made the whole process of getting our mortgage simple, efficient and friendly. They definitel... Read more Reviewed on: 26th 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The application process is very outdated The application process is very outdated and of a legacy nature.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 (352)

Review of the Scottish Building Society, Mortgages:

Good communication

Refreshing to call a provider that actually answers the phone and then listens and provides solutions to queries in a friendly way. Reviewed on: 6th May 2022

Scottish Building Society Branch Review

I like their practicality, and their solutions that are client centred. Reviewed on: 16th November 2023

Good.

Straight forward. Fill in forms. Done. Reviewed on: 14th November 2023

Excellent customer service.

Once our mortgage advisor had put us in touch with Scottish Building Society everything went smoothly. Reviewed on: 9th November 2023

got there

always knew the fall back was borrowing against the house Reviewed on: 8th November 2023

Very slow decision but may be financial advisors fault

Took over 4 months to get mortgage approved but in fairness might have been due to our utterly hopeless financial advisor Reviewed on: 7th November 2023

Excellent customer service

My wife and I were very impressed with the way the Scottish Building Society handled our recent mortgage application. They made the whole experience stress free - their team were a pleasure to deal with. Reviewed on: 7th November 2023

patient and sympathetic

I wanted to remortgage my house to free up money to help my son to buy a house in London. I am 72 and The Scottish Building Society was the only one to offer a loan. During the process of arranging the loan my doctor told me I probably had cancer. I then thought I would be better to sell my house and move close to my other son, about an hour away. I put a hold on the mortgage. However winter was approaching and I was advised not to market the house until next year. I then asked to have the mortgage process restarted. By this time I was very close to losing the loan due to its time limit. My broker in discussion with SBS was able to get a short extension to the time limit which enabled the mortgage to go through. The Scottish Building Society showed sympathy and understanding. Reviewed on: 15th October 2023

It was ok

Hated the fact I had to install an app on my phone and answer a ton of questions, the answers already been provided. Reviewed on: 13th October 2023

..

Everything went smoothly had no problems at all Reviewed on: 11th October 2023

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

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