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Our Mortgages

Our flexible underwriting means we’ll consider your individual circumstances rather than using a ‘one size fits all’ approach

 

Helpful Mortgage Guides
Helpful Mortgage Guides
Sma22 Gold Winner Building Society Of The Year

We’ve signed to up to the government’s Mortgage Charter

The UK’s largest mortgage lenders and the Financial Conduct Authority have agreed a set of universal standards with the Chancellor to help borrowers who may be worried about increased mortgage payments.
Buying a House in Scotland
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
More Information
Residential Mortgages
Key Information
  • Loans from £30,000 up to £1,000,000
  • Up to 90% Loan to Value
  • Guarantor Mortgages are available
More Information
Self-Build and Custom-Build Mortgages
Key Information
  • Loans from £30,000 up to £1,000,000
  • Staged funding arrangements to meet your requirements
  • No bridging loan required
More Information
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
More Information
Retirement Interest-Only Mortgage
Key Information
  • Open to applicants age 55 and over
  • No maximum age
  • Capital is only repaid on sale of the property
More Information
Entrepreneur Mortgages
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
More Information
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
More Information
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
More Information
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)