SoIssue 8 • Spring 2018 ciety G MEM DIN B R ER A S W H I E FOR P
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1 0 C 7YEARS O Y T 1848-2018 T T IE I C SH O B S UILDING 170th Anniversary Society celebrates success spanning three centuries
The magazine of Inside: Welcome This year sees Scottish in this issue we visit Marsie Stuart Fulfilling our promise to offer Building Society reach its 170th in Troon who has been awarded our best available rates anniversary. Like the bridges the British Empire Medal in Page 3 crossing the River Forth on the recognition of her contribution to Five minutes with cover of this issue, your Society teaching British Sign Language, Drew Ferguson has spanned three centuries and young couple Nikki Watson Page 4 where much has changed, but the and Gregor Steedman who have importance we place on fairness bought their first home with the Lifetime mortgage is a lifeline and community remain the same. help of a Professional Mortgage. for British Empire Medal As Scotland’s only independent Thank you to everyone who winner building society, and the oldest voted for the local charities you Page 5 in the world, we marked the would like us to support in the Scottish Building Society occasion with a reception at the coming year. 170th Anniversary Scottish Parliament. Hosted for The results are in and we are Page 6 us by our constituency MSP Ruth gearing up to support the good Davidson, it was a pleasure to causes you have chosen. If you Our charities of the year 2018 see members rub shoulders with would like to be involved, please Page 8 cross party politicians, staff past contact your local branch. Join us for and present and our business
fun, food SoIssue 8 • Spring 2018 ci associates. You can read more Kerra McKinnie NG ME DI MB ety R E A R S W H E FOR I
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1 C 0 about it on pages 6 and 7. YEAR 7 S O Y and culture T 1848-2018 T T I IE SH C B SO UILDING 170th Anniversary Communications and to Society celebrates success It is always a privilege to be spanning three centuries raise allowed into members’ homes and [email protected] funds for Maggie’s You have been sent this issue of changes to products and services future issues of Society please email Page 8 The magazine of Society magazine as a member of which might be of interest to you. [email protected] or write to A new Scottish Building Society to keep Society is normally published twice Scottish Building Society, Freepost home for young professionals you informed about the Society’s each year. RLYC-AAGE-YURH, SBS House, 193 Page 9 activities and to let you know of any If you do NOT wish to receive Dalry Road, Edinburgh EH11 2EF. Sponsorship spurs Scottish Women’s football to aim for semi-professional status Page 10 WIN a trip of a lifetime on the Jacobite Steam Train Page 11
Society is a publication of Scottish Building Society SBS House 193 Dalry Road Edinburgh EH11 2EF
www.scottishbs.co.uk
This publication is also available online at www.scottishbs.co.uk Save the date for May AGM at Hampden Park
The views expressed in this In keeping with our sponsorship internationals and Scottish Cup Hampden is home to the publication are not necessarily of the Scottish Women’s Premier finals for over a hundred years. Scottish Football Museum those of the publisher or the editor. League, this year’s Annual General All Society members are containing an impressive national Whilst every care has been taken in Meeting of the Society will kick off invited to attend to hear from collection of football memorabilia. compiling this publication and the at 5.30PM on Wednesday 30th May your Directors and to vote on key Members arriving before the statements that it contains, neither at Hampden Park, the national business decisions. Look out for meeting starts can enjoy a visit the promoter nor the publisher stadium of football in Scotland. your AGM pack containing voting to the five star visitor attraction, can accept any responsibility for Once the largest football stadium details and transport options which includes film footage of any inaccuracies of the products or in the world, Hampden has hosted which will be sent out to you in some of the most memorable services advertised. almost all the major Scotland the coming weeks. games and players. p2 Spring 2018 Society magazine Alison becomes an ordained local minister
The Society’s Head of IT Alison Alison will be available for 10 Quilter has become ordained hours a week, plus a Sunday, to as a minister in the Church of help in various aspects of the Scotland following a service faith life of her congregations as of ordination. She has been well as presbytery duties. inducted by the Presbytery of Talking about her new role, West Lothian to serve in the Alison said: “It is a great honour Parishes of Polbeth Harwood and joy to serve the Church and linked with West Kirk of Calder, the parishes of Polbeth Harwood near Livingston. linked with West Calder in my Alison has worked with capacity as an OLM, working Scottish Building Society for 27 alongside Rev Dr Jonanda years and is responsible for the Groenewald. It is a privilege to strategic delivery and support of share in people’s faith journeys the IT systems that underpin the as well as helping people business and corporate plan. pastorally and supporting the Ordained Local Ministry is work of the Church in a non-stipendiary form of the the wider Ministry of Word and Sacrament. community.”
OY L AL R T U OUR Y O COMMITMENT TO OUR P MEMBERS R S Fulfilling our promise to O E M I S offer our best available rates
1.2%
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0.8%
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SBS Instant Access Market Instant Access (with bonus) 0.2% Bank Rate Market Instant Access (excl bonus)
0% Jan 2015 Jan 2016 Jan 2017
Source: Bank of England Interest rates paid on the Society’s Instant Access account over the last 3 years quoted household interest compared with the average offered by all banks and building societies rates as at 2/11/17
Following the change in the bonuses. Our Loyalty Cash ISA has clearly rewarded our savings value by offering a consistently Bank of England Bank Rate, we rewards the loyalty of members members, whilst recognising the fair rate on your savings introduced changes to our interest by offering higher rates the longer need to balance their interests throughout the term of your rates in November last year. Our funds are invested with us. with those of our borrowers. relationship with us, something straightforward savings range Maintaining higher rates In keeping with Our Loyalty that was recognised once again by continues to offer consistently than those generally available Promises, the Society aims to ‘Savings Champion’ in their 2018 good value, without short-term in the market is a strategy that provide members with long-term awards.
Society magazine Spring 2018 p3 Five minutes with Drew Ferguson
You have been with Scottish Building Society since leaving school in 2016. What does a typical week look like for you? Day to day, most of my time is spent either helping customers who come into the branch or dealing with our agency offices. We’re probably very different from banks in that we know our customers well and they know us by name. I like chatting with them. We have fifteen agencies linked to Inverness and I help them with processing transactions and any problems they might have. Each agency has a cashier and I have built up really good relationships with all of them.
What made you choose a career with Scottish Building Society? I wanted to leave school after my fourth year exams, rather than go on to study for Highers. Drew’s CV highlights I can’t say my parents were too pleased at the 2013: Inverness Caledonian Thistle football ground helping the groundkeeper and selling hot time as they thought I should stay on, but drinks before matches it has turned out to be a really good move. 2015: B&M Stores as warehouse assistant and in-store customer services assistant Initially I was looking for an apprenticeship 2016: Joined Scottish Building Society Inverness branch as Branch Trainee in administration but when I came across an 2017: Passed traineeship and promoted to Branch Assistant opportunity to apply for a traineeship with the Personal: Single and living at home with parents in Inverness while I save for a flat. I also want Society I jumped at it. to visit as many countries as I can. I’m passionate about football and enjoy going to I was told it could take up to two years to matches and training with a local amateur team. Snooker is my second love and I complete my training but I’ve worked hard recently joined a club and hope to compete in the future. and was promoted after just eleven months from Branch Trainee to Branch Assistant. Most of my friends stayed on for fifth year Mortgage Adviser so I’m doing a lot of reading What is the most important financial lesson and as a result started their apprenticeships in my spare time. There are still other career you have learnt? a year behind me. A couple are now at development options open to me, but right I had an accident with my car recently and it university and others have still to find full now mortgages interest me the most. would really have helped if I’d had something time positions. I’m the only male in the branch and enjoy put aside to pay for the damage. It was a lesson good relationships with all of my colleagues, learned the hard way. Since starting to work What do you enjoy most about your job? and am particularly good friends with Avril here I can see that saving a little every month I have enjoyed learning new things and I who is also a Branch Assistant, even although can soon add up, so I’m now trying to get into am now really keen to pursue a career as a there is a 40 year age difference. the habit myself. Alan Webster joins board of directors
Chartered Banker Alan Asset Finance, Credit and of SFCF Ltd, Campbell Financial Webster has joined your Society’s Treasury and was Head of the Services and Succession Board. Business Bank before moving Wealth Management and Alan spent 34 years in to Scottish Widows Bank as was a non-executive director Clydesdale Bank in a wide variety Business Development Director. of Pharmacy Mutual of managerial roles including He is a past Managing Director Insurance. p4 Spring 2018 Society magazine Lifetime mortgage is a lifeline for British Empire Medal winner Unlocking cash tied up in her home has meant Marsie Stuart has slashed her monthly outgoings as she approaches retirement
cottish Building Society member Marsie Stuart’s life was turned upside down twenty three years ago when her husband Gavin died suddenly, Sleaving her to bring up their four young children on her own. Faced with an uncertain financial future, Marsie sought the advice of her local solicitor in Troon who recommended she sell the family home and downsize to release equity in order to support her children. “Gavin had just left full time employment in order to set up his own company, so was in between jobs when he died, and there was a lapse in life insurance cover,” said Marsie. Our Loyalty OY “It was so unexpected. We had an L AL R T U OUR Y endowment covering our mortgage which Promise … O COMMITMENT TO OUR meant I owned the house outright, but when to treat you as P MEMBERS R S my solicitor suggested I should sell up, I just an individual O M I S E couldn’t. I was so emotionally attached to our home and my children needed stability. Instead I prayed for a miracle.” Marsie with her youngest daughter Emma at home in Troon What happened next was to change the course of Marsie’s life when, totally out of “Luckily Scottish Building Society came hopefully many years from now, the loan the blue, she was offered a job teaching sign to my rescue. Gavin and I were members of will be repaid and the remaining equity will language at Kilmarnock College. She had the Society and I know the staff in the Troon stay within the family. I am delighted, especially learned how to sign at night school in order to branch well. When Business Development as it means I will leave something for the communicate with a deaf mum at the mother Manager Derek Christie suggested I should f am i l y.” and toddler group she was involved with. apply for a Lifetime Mortgage, I jumped at the She went on to teach at Kilmarnock chance, and it has been a life saver. Lifetime Mortgage College for 12 years and James Watt College “I have redeemed my mortgage and cut ties If you would like to find out if you qualify to in Kilwinning for a further eight years, before with the previous lender. Now I pay only the unlock cash tied up in your home with a Scottish taking the plunge to branch out on her own, interest on the loan I have with the Society, Building Society Lifetime Mortgage pop into your forming Sign and Be Heard. Employment cutting my monthly repayments from £350 local branch or call 0345 600 4085 and speak to meant Marsie was able to re-mortgage her a month to £124. When the house is sold, one of our experienced Mortgage Advisers. home instead of selling it to release the equity she needed to support her family. www.signandbeheard.com “I’m in my sixties now, and the children Medal for Marsie are all making their own way in life, although There was more good to British Sign Language the use of BSL to benefit the youngest two are still living at home as news for Marsie in the New (BSL) education. sufferers of Asperger’s, they are saving up for deposits. I still have an Year’s Honours list when Through Sign and Be ADHD, Autism and other outstanding mortgage, and although I could she heard she has been Heard Marsie offers classes communication difficulties. clear it by selling up and downsizing, I love awarded the British and tailored courses for Marsie will receive her my home and my neighbours who have been Empire Medal for her those who want to learn to medal later this year at a there since Gavin and I moved in when it was commitment and services sign. She has also promoted special ceremony. newly built.
Society magazine Spring 2018 p5 Scottish Building Society 170th Anniversary In 2018 we celebrate our 170th year, but we’re not any old building society. We are the oldest surviving building society in the world. On top of that, today, we are the only Scottish building society.
Pictures from the 170th anniversary reception held at Scottish Parliament
o mark this milestone in who represents the Society’s Head Office our history, politicians from constituency of Edinburgh Central, and was all parties joined Society attended by cross-party MSPs. directors and staff past and Ms Davidson had previously tabled a motion present to welcome members that Parliament should congratulate the Society of our Members’ Panel, agents and business on its 170th anniversary, and acknowledge Tassociates to a special parliamentary reception. our commitment to treating members fairly We were delighted to be joined by some of the and the contribution the Society has made as charities we support and senior representatives a mutual organisation to home ownership in from Scottish Womens’ Football and to have Scotland. She also proposed that Parliament the Scottish Building Society SWPL Trophy on welcomes our support of charities across display throughout the event. Scotland and sponsorship of the Scottish The reception was hosted by Scottish Women’s Premier League. Conservative Party leader Ruth Davidson MSP, The event opened with a short speech from p6 Spring 2018 Society magazine G MEM DIN B R ER A S W H I E FOR P
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A short history of a proud society To honour the Society’s 170th Anniversary Professor Charles Munn OBE conducted extensive research to provide material for ‘A Short History of a Proud Society’, a commemorative booklet giving a few telling snapshots into our past spanning three centuries. Interested members can request a copy of the booklet by emailing: [email protected]
Scottish Building Society mergers
1. 1946 Scottish Progressive Building Society 2. 1961 Glasgow Building Society 3. 1963 Helensburgh & Gareloch Building Society 4. 1963 Dundee & Forfarshire Building Society 5. 1969 Bo’ness & Carriden Building Society 6. 1969 Galashiels Provident Building Society 7. 1982 Strathclyde Building Society 8. 1983 Permanent Scottish Building Society 9. 1984 Banffshire Building Society 10. 1985 Huntly Building Society 11. 2013 Century Building Society
Ms Davidson welcoming our guests to the modern Scottish Building Society you know
Scottish Parliament building and recognising today. At their peak there were 2,750 societies 9 the contribution of the Society in building in the UK. Today there are 44 societies, and 10 communities by providing savings and Scottish Building Society is the only one mortgage services and support for good causes. headquartered in Scotland. She said afterwards that one the highlights of Scottish Building Society has come a long the evening for her was meeting our past Chair way from its Victorian origins. We have made 4 and Scottish rugby legend Peter Brown. this progress by sticking to our principles Chief Executive Mark Thomson then took and not becoming involved in any of the 3 5 1, 8 & 11
the audience on a short journey through more venturesome activities indulged in by 2 & 7 6 the history of the building society sector, many other financial institutions. Through a tracing the Society’s development from the combination of our traditional approach and Edinburgh Friendly Property Investment digital capability we will continue to keep the Company founded in March 1848, to the Society relevant for the next 170 years.
Society magazine Spring 2018 p7 Our charities of the year 2018 Your votes have been counted and the Scottish Building Your Society Community Charities of the Year for 2018 are: views are Edinburgh Galashiels North of Scotland
Maggie’s Centre supports people Borders Children’s Charity offers The Oxygen Works has the only important living with cancer and their families financial and practical support to oxygen chamber in the central at the Western General Hospital in disadvantaged Highlands, providing treatments for to us Edinburgh. young people. people with a range of medical conditions. Join our Glasgow Troon Scottish Association for Mental Combat Stress at Hollybush House online Health (SAMH) providing a range in Ayrshire providing care for Our Loyalty of services for young people living veterans. Promise … with mental to always allow OY L AL member R T health problems. U Y you a say in OUR O COMMITMENT TO OUR which local P MEMBERS R S panel now Each charity will receive an initial donation and Society staff O E charities the M I S members across Scotland are looking at ways they can add Society supports additional fundraising or voluntary support throughout the year. Gathering quick and timely feedback on a variety of business initiatives and topics allows us to continue to improve our service and ensure that we are offering products appropriate to members’ needs. Join us for fun, food and culture
We are and to raise funds for Maggie’s currently recruiting for aggie Keswick Culture Crawl June 2018 using the discount code Jencks was This year across Scotland hundreds SBS18 and is for Culture Crawl our online Member diagnosed with of walkers will band together for Edinburgh. From July onwards Panel and we’d like incurable breast Maggie’s Culture Crawl in support the registration fee will be £25 with applicants from across cancer in 1993 of Maggie’s and people affected a minimum sponsorship of £100. the country to apply. at the age of 51. She believed that by cancer. Society staff from Edinburgh Culture Crawl takes Mpeople should not ‘lose the joy Edinburgh branch will be among place on Friday 21 September. Panel members receive of living in the fear of dying’, and them, enjoying a behind-the-scenes a maximum of four short developed a new approach to experience of some of Edinburgh’s Kitchen Table Day surveys per year, and cancer care, offering stress relief most iconic landmarks as the If walking is not your thing, why play an invaluable part in and psychological support in a sun sets on the city. If you would not gather your family, friends and relaxed, caring environment. like to join us please visit www. colleagues around your kitchen shaping how the Society She passed away in 1995 and a maggiescentres.org/culturecrawl table on Friday 27 April in aid of develops. year later the first Maggie’s Centre or call 0300 123 1801. Maggie’s. Whether it’s an awesome opened in Edinburgh, providing As a thank you to Scottish afternoon tea, a spectacular supper practical and emotional help for Building Society members or holding a book club, it’s time If you would like to be people living with cancer and their Maggie’s is offering a discounted together having fun to help people involved, please email friends and families. There is now registration fee of £16 with a with cancer. You can register for [email protected] a network of 21 centres across the minimum sponsorship of £100. your Kitchen Table Day Pack at UK and in Hong Kong and Tokyo. This offer is only valid until 29th www.maggiescentres.org p8 Spring 2018 Society magazine A new home in Scotland’s ancient capital suits young professionals First time buyers Nikki Watson and Gregor Steedman wisely shopped around for the best mortgage before choosing a Professional Mortgage from Scottish Building Society
ikki Watson and her partner Gregor Steedman, both aged 25, had set their hearts on a new build property as their first home. Nikki works as an HR Manager for an executive search company, a role that frequently Ninvolves travel from her Edinburgh office base to the company’s Times Square office in New Our Loyalty OY York. Gregor is a newly qualified Chartered L AL R T U OUR Y Accountant and is also based in Edinburgh. Promise … O COMMITMENT TO OUR to treat you as P MEMBERS The couple first met at nursery in R S Dunfermline and remained friends throughout an individual O M I S E their school years in the town before Gregor went on to study at Edinburgh University. “We wanted to stay in Dunfermline, not just because our families are here, but it is also an Accountant we qualified for a Professional the loop throughout. As first time buyers we had easy commute for Edinburgh and Stirling, where Mortgage with a competitive interest rate, plus nothing to compare the service to, but it was all Gregor was based at the time we were looking. we only had to raise a 5 per cent deposit. None remarkably straightforward.” It is also handy for the airport,” said Nikki. of the other bigger lenders we looked at were Asked how they were settling in to their new “We knew we wanted a new build and able to match that.” home, Nikki said: “We hadn’t seen a show home Calaismuir Gate was the only development Nikki and Gregor bought their 3-bedroom and had loads of ideas for decorating before we we liked the look of. It’s secluded, away from detached home off-plan in June last year for moved in, even planning to take down one of main roads with lots of space between the £202,000 and moved in seven months later. the walls in the kitchen, but changed our minds houses and has a nice family feel. We asked “It turned out that I already knew the once we were actually living here. Everything is Steve McAvoy of Mortgage Scotland in Dalgety Society’s business development manager Holly now white, which I love, so no dogs, but we do Bay to find us the best mortgage deal available Hynd, who is also from Dunfermline, and have a young niece and nephew who will soon and he pointed us in the direction of Scottish everyone we dealt with throughout the process be coming for sleepovers. We’re very happy and Building Society. Because Gregor is a Chartered was equally pleasant and helpful and kept us in our next project is to design the garden.” Professional Mortgage A Professional Mortgage from To qualify for our Professional have a mortgage and want to take you next. Our Professional Scottish Building Society allows Mortgage, applicants need to be switch to a better deal you could Mortgage is fully portable, so you fully qualified, practising and over 21 and registered with the borrow up to 90% of the valuation can take it with you if you move registered accountants, dentists, appropriate governing body. of your property. Our re-mortgage house. medical doctors and solicitors to l Flexible – borrow from packages also include a free To find out more about our borrow up to 95% of the purchase £50,000 to £400,000. valuation and free legals. Professional Mortgage, call 0345 price or valuation of property in l Save money – we offer l Fully portable – you never 600 4085 and speak to one of Scotland – whichever is lower. competitive rates so if you already know where your career might our qualified Mortgage Advisers.
Society magazine Spring 2018 p9 Scottish Building Society has made history by becoming the first title sponsor of the two Scottish women’s senior leagues with a six-figure deal over the next three years Sponsorship spurs Scottish Women’s football to aim for semi-professional status
The Scottish Women’s Premier League 2018 said: “Every year it just gets bigger and bigger. Society’s pioneering sponsorship will pave season is underway and the growth of the My personal goal is that in three years the the way for “a lot of large organisations” that game was evident at the most well-attended SWPL is at least semi-professional, if not she believes are keen to help develop women’s launch event in the league’s history. In 2001 professional, and that we are allowing players if sports to get behind the game and provide there were 2,270 registered players; last year they want to have full-time jobs playing football the financial support needed to take it to the there were 11,537, yet there are currently no in Scotland to play in Scotland. That is our next level. female professional players in Scotland. dream and I don’t think it’s out of the question.” Chair of Scottish Women’s Football We are now into the first season of the If you’d like to keep up to date and follow Vivienne MacLaren has voiced her clear goal Society’s three year funding deal of SWPL the league games throughout the season to see top clubs in the sport turn professional, which results in prize money for all 16 clubs, information is available on the Scottish or at least semi-professional, within the next with the aim of helping them develop a strong Building Society SWPL social media channels three years. elite pathway. Twitter, Facebook and YouTube as well as at In an interview with BBC Scotland Vivienne Vivienne is certain that Scottish Building www.womenspremierleague.co.uk Football training camps fire enthusiasm To celebrate our partnership with coaches, and they were really helpful. Scottish Women’s Football, we are Girls are just as good at football as running a series of Football Skills b oy s .” training sessions open to boys and Megan, aged 8, from Livingston girls of any ability aged 5 to 12. In the added: “I haven’t played much last issue of Society we asked you to football before, I normally go to local nominate young people to take part. matches with my mum and dad and Our first session, held at the was at the women’s football cup final. Oriam, the National Sports I’m definitely going to join a club and Performance Centre near Edinburgh, p l ay n ow.” was a huge success. Thirty children We are currently working with the aged 8-11 joined our organised Scottish FA to run monthly football training sessions to polish up their festivals in Inverness. The festivals skills with professional help from are open to all girls in P1-4 and players and coaches from Hibs, P5-7 teams and will run at Millburn Hearts and Spartans football clubs. Academy on Saturday 21st April, Ailsa, aged 10, who trains with 19th May and 16th June. Growing Grassroots football Musselburgh Windsor football club To register and for more We are supporting grassroots football in our local communities said: “It was a brilliant day. I learned information contact: and have established links with a number of youth teams including a lot and we all worked really hard. [email protected] Boroughmuir Thistle FC in Edinburgh, Pollok United FC in Glasgow, It was great to meet the players and Tel: 07539 348863 Millennium FC in Stranraer and Glenburn WFC in Prestwick. p10 Spring 2018 Society magazine Championing womens’ football at local level The Society’s Edinburgh branch is supporting local club Boroughmuir Thistle to nurture talent and enthusiasm by sponsoring its annual achievement awards. The club recently passed the 200 player mark, evidence of the growing enthusiasm for the sport amongst girls from 5 years old onwards.
Society’s Head of Sales John Lloyd with Boroughmuir Thistle chairman Gavin Michie and players
Competition
WIN an unforgettable trip of a lifetime on the Jacobite Steam Train
Widely regarded as one of the will receive £150 spending money, are just two of them. Which of Closing date for entries is world’s greatest train journeys, this enough to allow for overnight the following is the name of an midnight on Friday 1st June 2018. 82 mile round trip on the Jacobite accommodation if required. engine that also regularly hauls No purchase is necessary in order Steam Train will take you on a The Jacobite Steam Train operates the Jacobite Steam Train? to enter the competition. Only one journey of outstanding beauty. every morning from Monday to entry per person is permitted. For Starting from Fort William in the Friday between April and October A. Albermarle full terms and conditions please shadow of Ben Nevis, it passes over each year, with additional weekend B. Sherwood Forester visit www.scottishbs.co.uk the iconic Glenfinnan Viaduct and afternoon services added C. Duke of Edinburgh providing spectacular views of Loch in summer between May and D. Jingling Geordie Shiel on its way to Britain’s most September. Competition westerly mainland railway station, Simply email your answer along Arisaig. From there it passes close How to enter with your name, address and winners To be in with a chance of winning Scottish Building Society by the deepest freshwater loch in Congratulations go to Patricia all you have to do is answer the account number to: Britain, Loch Morar, to arrive in the Davidson of Banchory, Angus following question: [email protected] traditional fishing port of Mallaig, Mathieson of Dingwall and Mrs Beautifully restored steam Alternatively, send your answer famous for its seafood and gateway W Dougal of Eyemouth who locomotives take turns hauling and contact details to: by ferry to the Isle of Skye. correctly answered the question original British Rail First and Society Competition in Issue 7 of Society to win a The Prize Standard Class carriages Marketing Department luxury Scottish hamper. We originally in use in the 1960s to Scottish Building Society, One lucky winner and a friend asked ‘What year did William make the trip from Fort William to SBS House will experience first class return Grant open his first distillery?’ Mallaig and back. The Lancashire 193 Dalry Road, travel from Fort William to Mallaig The correct answer is ‘1887’. aboard the Jacobite Steam Train, and Fusilier and the Lord of the Isles Edinburgh EH11 2EF
Society magazine Spring 2018 p11 Guarantor Mortgage
Welcome to a mortgage that’s specially designed for first time buyers
At the Scottish, we’ve been helping people in Scotland to buy their homes since 1848. We’re one of the few companies to provide a Guarantor Mortgage for first time buyers – ideal if you need a little extra help to get onto the property ladder. For To find out more, call and speak to a qualified first time mortgage specialist. Or pop in to your local buyers branch – we’ll fit you in straight away.
A helping hand onto the property ladder For an appointment call now Borrow up to 90%*, max loan amount £300,000 0345 600 4085 Expert mortgage advisers in branch or visit scottishbs.co.uk
Rewarding Membership
Branches and local agents across Scotland
*We will lend up to a maximum of 90% of the property price or valuation (whichever is lower). 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). Member of the Building Societies Association and UK Finance. Scottish Building Society, SBS House, 193 Dalry Rd, Edinburgh EH11 2EF.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.