It was also revealed that borrowers in Scotland tend to borrow less money relative to their income, while mortgage interest payments also accounted for less of their salary.
The cost of homes in the country is also 25 per cent lower than the average UK price.
Kennedy Foster, policy consultant at CML Scotland, said the shortage of mortgage funding has had a "dramatic impact" across the UK.
He added: "However, to date, there has been less of an impact in Scotland than the rest of the UK as affordability is better here, meaning borrowers have been less affected by the tightening in lending criteria."
The CML is the UK's trade association for the mortgage lending industry.
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