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Mortgages

Helping people buy properties in Scotland since 1848

Sma22 Gold Winner Building Society Of The Year
Following the Bank of England’s decision on 6 February to reduce the base rate by 0.25%, we're pleased to advise we'll be passing on this rate change in full by reducing our mortgage Standard Variable Rate (SVR) from 8.24% to 7.99%. Our new SVR will take effect from 1 April 2025 and members on a variable rate mortgage will be notified of their new repayment following this rate change at least 14 days ahead of their next scheduled payment.

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.
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Remortgage
Key Information
  • Loans from £30,000 up to £1,000,000
  • Free legals and valuation (or £250 cashback)
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Residential Mortgages
Key Information
  • Loans from £30,000 up to £1,000,000
  • Up to 95% 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
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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©Scottish Building Society 2025. All rights reserved. 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)