If you're building or buying an eco-home, our sustainable homes discount could offer a discount of up to 1.25% from our Standard Variable Rate (4.90% - the overall cost for comparison is 5.1% APR).
The level of discount offered depends on the energy standard achieved in your home - so the more efficient your home is, the more you save on your mortgage.
Our C-Change sustainable homes discount is available on our residential, buy-to-let, housing co-operative, housing association and part-residential mortgages.
You can find more details about who can apply on each mortgage page, or by downloading About you.
The discount is most applicable to new and existing energy efficient homes - the higher the energy rating, the greater the discount.
Key features
- Discounts range from 0.50% to 1.25% from our Standard Variable Rate, depending on the energy standard achieved
- The discounts can be based on a range of ratings schemes:
Energy Performance Certificate (EPC)
Code for Sustainable Homes
Eco Homes
Association for Environment Conscious Building (AECB)
Passivhaus - The discount is applied to your mortgage as soon as your home's rating is confirmed - so your payments are reduced from day one - and remains in place for the duration of the mortgage
- Our Current Standard Variable Rate is 4.90% (the overall cost for comparison is 5.1% APR)
What level of discount could I receive?
The C-Change sustainable homes discount is based on the energy standard your property achieves:
| Discount level | Discount % | Energy standard/rating |
|---|---|---|
| 1 | 0.50 | EPC - Energy efficiency rating or Environmental impact rating 'B' CSH Level 3 Eco Homes 'Very Good' |
| 2 | 0.75 | Energy efficiency rating or Environmental impact rating 'A' CSH Level 4 Eco Homes 'Excellent' AECB Silver |
| 3 | 1.00 | CSH Level 5 Passivhaus |
| 4 | 1.25 | CSH Level 6 AECB Gold |
| EPC - Energy Performance Certificate CSH - Code for Sustainable Homes AECB - Association for Environment Conscious Building |
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You can find out more about the different schemes by downloading Our C-Change discounts.
When will the discount be applied?
If your home is an existing eco-home with a valid energy rating, the discount will be applied on completion of the mortgage - so you'll receive the discount for the full mortgage term.
If you are building a new property, the discount will be applied on confirmation of the rating achieved.
We're proud to have supported over 2,000 projects that benefit the environment since we started in 1981. Here's just one example of how we've helped:
Sarah and Jeremy’s story: an urban ecological self-build
Sarah and Jeremy redeveloped an industrial plot into an innovative…
We dreamt of building a home that was a flexible living and working space. And we wanted to hold on to our ideals of sustainable living. But all that’s hard to achieve when you’re living in the heart of a city. With the support of Ecology Building Society, we’ve managed to realise our dream.
Sarah, Ecology member
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
An early repayment charge may be payable if you repay all or part of your mortgage within the first four years.