Write a review

Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (356 reviews)

View other Scottish Building Society products

4.64

Based on 356 reviews, last reviewed 15th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

75%

18%

Latest highest rating:

5

Remortgage process was smooth. Remortgage process was smooth. All OK, thank you Reviewed on: 15th May 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The application process is very outdated The application process is very outdated and of a legacy nature.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

Read all reviews See your review

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 (356)

Review of the Scottish Building Society, Mortgages:

Self Build Mortgage - great product and service

Self Build Mortgage - great product and service Reviewed on: 29th August 2024

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

Satisfaction Guaranteed

Would recommend your company to any friends looking for your type of services and question that you may have are answered in a language you understand ( no jargon) Thank you customer advisors You are a credit to your company Reviewed on: 11th October 2023

Remortgaged to a RIO

Scotttish Building Society were professional and friendly Reviewed on: 12th September 2023

Contact

Great when I phoned myself, efficient and helpful Reviewed on: 11th September 2023

Happy with service

I was happy with the service though the period and demands needed before the mortgage was offered took quite a long time! I understand the need for security so accepted the need for documents etc. Reviewed on: 8th September 2023

Smooth Transition

Very smooth transition from one mortgage lender to another. No unnecessary communication, everything was kept to the point and informative. We appreciated the follow up phone call to welcome us to the society and ask how the re-mortgage went. Reviewed on: 8th September 2023

First Time Buyer experience

Lender was quick to issue AIP and clearly set out and explained Documents required to progress . This was done at a reasonable pace and Offer Issued not too long after . This is a local Scottish based Lender I was happy to use and they gave the impression they were helpful and customer friendly looking at each case and not working off some tick list . Reviewed on: 7th September 2023

Excellent

Experience was excellent customer service was excellent Reviewed on: 6th September 2023

Do you have a different Scottish Building Society product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Mortgages
from Hanley Economic Building Society 4.81 from 307 reviews
Mortgages
from Together Money 1.83 from 6 reviews
Mortgage
from Lloyds Bank 3.16 from 40 reviews

There's still more to see!

Scottish Building Society has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub