Whether you are looking to take your first steps onto the property ladder, moving up or just looking for a better deal, Scotwest offers variable rate and fixed rate mortgages.

At Scotwest We Offer

Fixed Rate Mortgage

With our Fixed Rate Mortgage, the interest rate is fixed for a period of 2 years, giving you added peace of mind and allowing easier budgeting and planning.

Variable Rate Mortgage

Flexibility is key with our variable rate mortgage, as you have the freedom to make extra payments as and when you choose, whilst still benefiting from a great interest rate.

Take The First Step

The first step is to complete the Mortgage Enquiry Form (you can also complete the form over the phone by calling Member Services on 0141 227 2390 (Monday to Thursday 8.30-5pm, Fridays 8.30-4pm).

All we require is some basic information about you, your circumstances and your income and expenditure. If calling to complete the form, please ensure you have these details to hand – this will help us process your enquiry as quickly as possible.

The Next Move

Scotwest does not offer mortgage advice, however we will check your details to ensure that you meet our criteria for application then, with your agreement, we may pass your details onto the Independent Financial Adviser who will assess your needs and circumstances and review the options available to you. They will work through your application with you and help you make the right choice for you, whether you end up taking your mortgage with us or with another lender.

Rosemount Mortgage Services provide independent advice in the areas of mortgages, equity release and insurance. Graeme Leckie, the Managing Director has over 20 years experience as an Independent Financial Adviser and the company offer a completely independent service without any outside influence from product providers or conflict of interest. They will assess your application and let you know what the right mortgage is for you. They will help you make the right choice for you whether you end up taking your mortgage with us or with another lender. Scotwest Credit Union will not charge you for this service.

If you are looking to buy a home but are unable to afford the total cost, you may be able to get help from one of the following Shared Equity Schemes that Scotwest participates in. Our Independent Financial Adviser will be able to give you more information on these schemes. You can also find out more about them here.

The Right Mortgage For You

There are almost as many types of mortgages as there are homes to buy! Scotwest offers both Fixed Rate and Variable Rate Mortgages but other lenders may offer other types of mortgages. An Independent Financial Adviser will be able to advise you on the right mortgage for you but you can find out a little more about the most common mortgages here.

When you take a mortgage with Scotwest, we’ll give you a £50 Amazon voucher to welcome you to your new home!

Your home may be repossessed if you do not keep up repayments on your mortgage.