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Mortgages

Helping people buy properties in Scotland since 1848

From 28 July 2023, we’re temporarily withdrawing our mortgage products for new customers. Please check our website for regular updates.

Remortgage
Key Information
  • Loans from £30,000 up to £1,000,000
  • Free legals and valuation (or £250 cashback) in Scotland
  • Free valuation and £250 cashback in England
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Residential Mortgages
Key Information
  • Loans from £30,000 up to £1,000,000
  • Up to 90% Loan to Value
  • Guarantor Mortgages are available
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Self-Build and Custom-Build
Key Information
  • Loans from £30,000 up to £1,000,000
  • Staged funding arrangements to meet your requirements
  • No bridging loan required
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Holiday Let Mortgages
Key Information
  • Loans from £50,000 up to £350,000
  • Available for new and existing residential holiday lets
  • Mortgages available from 5 years to 40 years
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Retirement Interest Only
Key Information
  • Open to applicants age 55 and over
  • No maximum age
  • Capital is only repaid on sale of the property
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Entrepreneurs
Key Information
  • Loans from £30,000 up to £1,000,000
  • We'll consider your business’s performance and potential
  • All income considered when calculating affordabilty
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Professional Mortgages
Key Information
  • Loans from £50,000 to £1,000,000
  • Borrow up to 95% of the purchase price or valuation – whichever is lower
  • Open to applicants age 21 and over
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Guarantor Mortgages
Key Information
  • Loans from £50,000 to £300,000
  • For buyers who may not have sufficient income in their own right to get a mortgage in their name (including students)
  • Up to 90% Loan to Value
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Helping people buy properties in Scotland since 1848
Interest Rates
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Need help?

We’re here to help you get the most out of your money while feeling good about your investment. We’re a people based society, so why not book an appointment at your local branch or call us?

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
 
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Scottish Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No 206034)