Dunfermline - Scotland's Building Society

Dunfermline is the largest Scottish Building Society.  Established in 1869, Dunfermline Building Society continues to assist people in buying their own home. We are now Scotland's largest Building Society playing an important part in the savings and mortgage market.

This principle of home-ownership was first adopted over 200 years ago by a group of people saving for and building their own homes. It was soon realised that more could be achieved by taking in savings from people not looking for homes for themselves, but who were seeking interest to be paid on their savings. In this way the foundations of the business, saving and lending, were established.

Our purpose built Head Office, Caledonia House, was established in a commanding position at the south side of Dunfermline on Carnegie Campus in 1994 and it is regarded as an ongoing commitment to our customers, staff and the Society's future.

Over the years new services have been introduced to meet the demands of the modern world. Our telephone banking service, Dunfermline Direct, was launched during spring 1999. This service complements our existing branch network and postal service, and provides a range of accounts and services to those who either find it more convenient to transact business by telephone or do not work or live close to a branch.

Moving forward we now have our newly developed site which we hope will be the central hub for many of our members and we aim to develop the site as our members see fit. Although we aim to move with new technology as and when it becomes available to us, we are also committed to ensuring we have as many local branches as possible so our members have a variety of options of how they would like to manage their money.

With assets topping £3.3 billion, an electronic distribution service augmenting a network of 34 branches and 37 agencies and an expanded Commercial and Social Housing department, the Society is well equipped to meet the challenges of the financial marketplace.

The Society is a mutual organisation and as such, exists to serve the needs of members without the necessity to satisfy shareholders. Profits made are sufficient only to provide for the costs of the business. This allows lending rates to be set at consistently lower levels than competitors and investment rates kept high enough not only to be competitive, but in many cases, also to qualify as market leading. Coupled with significant and continuous investment in communities across Scotland through sponsorship and support to various organisations, the Society has earned the title of  "SCOTLAND'S BUILDING SOCIETY".

Annual Report and Accounts and Members' Review

View our Annual Report and Accounts and Members' Review 

Basel II Pillar 3 Disclosures 2007

View our Basel II Pillar 3 Disclosures 2007