What We Lend On

We specialise in mortgages for projects which minimise environmental impact or help promote sustainable living.

We don't have a 'tick box' approach to assessing projects – if we can see an environmental benefit and the property can be valued, we'll consider lending. In many instances, we'll welcome projects that standard lenders reject.

Even if you don't consider yourself to be green, your project might be.

Our residential mortgages are available for:

  • Energy saving improvements - installing energy saving measures or renewable technologies
  • Renovation - renovating a derelict or run down property (a form of recycling)
  • Conversion - converting a disused or redundant building
  • Eco new builds - building a new property using sustainable materials

And for projects that we consider to be green by nature, including:

  • Live/work units
  • Back-to-back terraces
  • Timber constructions
  • Earth sheltered dwellings
  • Traditional constructions, such as straw bale, thatch, rammed earth, and wattle and daub.

You can find out more by downloading What we lend on.

We will also lend on a range of projects which respect the environment, including:

  • Organic smallholdings and farms
  • Eco or community businesses
  • Housing co-operatives and associations
  • Small scale development projects
  • Small woodlands.

There are some projects that we won't lend on:

  • Holiday homes or second homes
  • Agricultural activities that involve intensive farming or riding stables
  • Mobile dwellings
  • Houseboats - although we do lend for houseboat moorings
  • Dwellings with less than 12 month occupational residency rights.

Our mortgages are available across England, Scotland, Wales and Northern Ireland.

Our range of mortgages

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 two years.