What Makes Us Different

We\\\'re building a greener society

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What makes us different

Not all financial institutions are the same. We are a building society dedicated to improving the environment by supporting and promoting ecological building practices and sustainable communities.

We do this by providing mortgages for energy efficiency and other environmental improvements for individuals, charities and sustainable businesses as well as supporting affordable and community-led housing. Our mortgages are funded by our range of simple, transparent savings accounts. As a mutual, we put the needs of our members first.

Our mission matters. The majority of the UK's 16 million houses waste energy on a massive scale – contributing up to 27% of our carbon footprint. We know that properties can be built, converted, renovated or improved with respect for the environment, and with comfort and affordability in mind. We're here to help people and communities across the UK make it happen.

We're working towards building a greener society through:

• Sustainable mortgages 

Our mortgages support and promote building practices that respect the environment and sustainable, low impact communities. They are funded by our savers – not by the wholesale money markets – and they aim to incentivise lower carbon lifestyles through our series of mortgage discounts.

• Ethical savings

We only use our members' savings to support our mortgage lending on properties and projects that respect the environment.
Ethical saving is also about treating all of our saving members fairly, regardless of the size of your investment or how long you've saved with us. It's about making sure that we operate our business in a way that matches our values.

• Affordable housing

We support local economies and communities by enabling the construction of affordable homes, including shared ownership and community-led housing projects, which offer a low impact approach to sustainable living, particularly in rural areas.
Making affordable homes more energy efficient helps tackle fuel poverty, as well as the carbon emissions produced by our housing stock.

• Mutual values 

Our mutual model means that we can be completely focussed on our mission rather than generating profits for shareholders, and it means our members have a say in how we're run.