Helping people buy properties in Scotland since 1848

We believe a mortgage is one of the most important financial commitments you will make. As a mutual building society, we are committed to treating you as an individual. We offer a range of mortgage products to help those looking to move home or Remortgage as well as products designed for those who value flexibility to suit their needs, like our Retirement Interest-only Mortgage or Self Build Mortgage.

You can speak to our Mortgage Team over the phone, or make an appointment at a branch.


Residential Mortgages

Scottish Building Society offers a range of residential mortgages with a selection of competitive interest rates.

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If you're looking to remortgage with the Scottish, we will provide you with a free basic legal service which means you won't have any solicitors fees to pay.

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Retirement Interest-Only Mortgage

Looking to unlock some of the cash tied up in your home? Aged 55 or over? Then this could be the solution for you.

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Professional Mortgages

Fully qualified, practising and registered Accountant, Actuary, Dentist, Medical Doctor, Optometrist, Pharmacist, Solicitor or Vet? Our Professional Mortgage could be for you.

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Self Build and Custom Build

Scottish Building Society is one of the few providers of mortgages for people looking to build their own home in Scotland.

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Proud to be Scotland’s Building Society

The Scottish Building Society is the World’s oldest remaining building society, established in 1848.

As a member-based mutual, our focus and purpose is to serve our local communities. That’s why we offer savings accounts primarily to members resident in Scotland. And why we will only consider new lending on residential properties in Scotland.

Mortgage Repayments Calculator

Our useful mortgage repayments calculator can help you with your research into how much your monthly payments might be. You could also change the mortgage amount, term or interest rate and see the difference it makes.

Change any of the numbers below to calculate your mortgage or loan rates. Your payment will be automatically calculated while you are typing.

The information provided by this tool is for guidance, and does not include all of the details you need to choose a mortgage – a personalised illustration will be provided before an application is submitted.

Contact Us

For new savings or mortgage enquiries, call us today on

0333 207 4007

Lines open 9-5 Mon to Fri (10-5 Wed). Calls may be recorded and/or monitored.

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

Find your local office