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Scottish Building Society

The main products offered by the Scottish Building Society are savings and investments, and mortgages.

Compare mortgages

Reason for mortgage
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£
years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Discounted until 26/09/2019
Initial rate
2.29%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.6%APRC
Monthly cost
£700.98 for 36 months then £932.30 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,837 includes: Loan amount (£160,000); Interest (£111,363); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
2.29%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.6%APRC
Monthly cost
£700.98 for 36 months then £932.30 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,837 includes: Loan amount (£160,000); Interest (£111,363); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
2.49%then 5.29% (variable)
Fees
£675fees
Overall cost
4.7%APRC
Monthly cost
£716.98 for 36 months then £934.58 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,215 includes: Loan amount (£160,000); Interest (£112,540); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
2.49%then 5.29% (variable)
Fees
£675fees
Overall cost
4.7%APRC
Monthly cost
£716.98 for 36 months then £934.58 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,215 includes: Loan amount (£160,000); Interest (£112,540); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
2.99%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£757.91 for 36 months then £940.11 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,948 includes: Loan amount (£160,000); Interest (£115,474); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
2.99%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£757.91 for 36 months then £940.11 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,948 includes: Loan amount (£160,000); Interest (£115,474); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.09%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£766.25 for 36 months then £941.19 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,533 includes: Loan amount (£160,000); Interest (£116,059); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.09%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£766.25 for 36 months then £941.19 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,533 includes: Loan amount (£160,000); Interest (£116,059); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,902 includes: Loan amount (£160,000); Interest (£117,227); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,902 includes: Loan amount (£160,000); Interest (£117,227); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,701 includes: Loan amount (£160,000); Interest (£117,227); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,701 includes: Loan amount (£160,000); Interest (£117,227); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.49%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£800.14 for 36 months then £945.41 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,068 includes: Loan amount (£160,000); Interest (£118,393); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2019
Initial rate
3.49%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£800.14 for 36 months then £945.41 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,068 includes: Loan amount (£160,000); Interest (£118,393); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.59%then 5.29% (variable)
Fees
£1,474fees
Overall cost
5.0%APRC
Monthly cost
£808.74 for 36 months then £946.44 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,449 includes: Loan amount (£160,000); Interest (£118,975); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.59%then 5.29% (variable)
Fees
£1,474fees
Overall cost
5.0%APRC
Monthly cost
£808.74 for 36 months then £946.44 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,449 includes: Loan amount (£160,000); Interest (£118,975); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.79%then 5.29% (variable)
Fees
£1,474fees
Overall cost
5.0%APRC
Monthly cost
£826.10 for 36 months then £948.48 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,611 includes: Loan amount (£160,000); Interest (£120,137); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.79%then 5.29% (variable)
Fees
£1,474fees
Overall cost
5.0%APRC
Monthly cost
£826.10 for 36 months then £948.48 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,611 includes: Loan amount (£160,000); Interest (£120,137); Booking fee (£100); Application fee (£699); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.99%then 5.29% (variable)
Fees
£775fees
Overall cost
5.1%APRC
Monthly cost
£843.66 for 36 months then £950.47 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,072 includes: Loan amount (£160,000); Interest (£121,297); Booking fee (£100); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 26/09/2019
Initial rate
3.99%then 5.29% (variable)
Fees
£775fees
Overall cost
5.1%APRC
Monthly cost
£843.66 for 36 months then £950.47 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,072 includes: Loan amount (£160,000); Interest (£121,297); Booking fee (£100); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Scottish Building Society

The Scottish Building Society was founded in 1848 and is the oldest building society in the world. The society was originally known as the Edinburgh Property Investment Company, but in 1929 it changed its name to the Scottish Building Society. In 2013, the Scottish merged with the Century Building Society and today it is the only building society left in Scotland.

The society only has a small number of branches in Scotland, but it is well represented through an extensive network of agents and today is the 42nd largest building society in the UK.

As well as mortgages and savings and investments, the society offers its customers help with inheritance and estate planning, and home insurance.

The Scottish Building Society provides a selection of mortgage products for customers. These include mortgages for first time buyers, borrowers buying moving home or re-mortgaging

There are also Scottish BS mortgages for landlords, self-build customers, and customers wishing to buy or re-mortgage a guesthouse or bed & breakfast in Scotland.

Guarantor Scottish BS mortgages are suitable for first time buyers in need or parental support for the purposes of raising enough funds for a deposit. 

Residential Scottish BS mortgages are suitable for customers buying or re-mortgaging properties in Scotland. Capital repayment and interest only mortgages are available.

Further borrowing for the purposes of home improvements and debt consolidation is an option for existing customers with a Scottish BS mortgage. 

Mortgage applications can be made in-branch or over the telephone.

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