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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.64 (365 reviews)

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4.66

Based on 365 reviews, last reviewed 30th Jul 2025

17% 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

I needed assistance regarding title deeds and Katie... I needed assistance regarding title deeds and Katie has taken the relevant details to pass onto the relevant department in order to give me an appropr... Read more Reviewed on: 30th July 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The application process is very outdated The application process is very outdated and of a legacy nature.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

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 (365)

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

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