Ecology and The Green Party

Mortgages

We specialise in sustainable mortgages for renovation and new build properties and projects, and we're particularly interested to see derelict and dilapidated property brought back into use, or energy efficiency measures fitted into existing homes. We also support the provision of affordable housing, including housing cooperatives. 

Our C-Change retrofit scheme aims to support homeowners wanting to improve the energy efficiency of their property, with a discount of 0.25% for every grade improvement in your home's Energy Performance Certificate (EPC) from our Standard Variable Rate, currently 4.65%. 

Representative example:
A mortgage of £95,300 payable over 25 years on our Standard Variable Rate, currently 4.65%, would require 300 monthly payments of £537.85.
The total amount payable would be £161,595 made up of the loan amount plus interest (£66,055) and a valuation fee of £240 (assuming a purchase price of £200,000).
The overall cost for comparison is 4.80% APRC representative.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Green Party mortgage referral offer 

Ecology will waive our mortgage application fee for mortgages referred by the Green Party. Please advise us on your application form if you wish to take up the Green Party referral offer and if you would like to be considered for our C-Change retrofit discount - to be eligible applicants will need to provide an EPC for the property before works begin.   For borrowers who request a C-Change retrofit discount, we will pay for the final EPC assessment once works to the property have been completed and evidenced. 

Find out more about our mortgages on our mortgages page; for more information, please see our leaflets: C-Change discounts, What we lend on and Current mortgage rates and charges.

 

Savings

Please note due to high levels of demand we are not accepting applications for our savings accounts, as a temporary measure.  All existing accounts continue to operate as normal. 

Green Party savings referral offer 

When we restart accepting applications, if you open one of the following personal savings accounts with a minimum deposit of £250 we'll pay £10 to the Green Party.  Please note this offer is currently on hold.  

Easy Access (restrictions apply)
90-Day Notice (available to existing members only - restrictions apply)
Foundations Cash ISA (available to existing members only - restrictions apply)

Find out more on our savings accounts page or view Our range of savings accounts and Current savings rates and charges leaflets.

Ecology Building Society Annual General Meeting 2018

POSTED ON 23 May 2018
Our 2018 AGM and Members’ Meet up was held on Saturday 28 April at The Priory Rooms, Quaker Meeting House,  in Birmingham. The event provides an opportunity for members to meet the Ecology team and share their views on our work as well as having a direct input into our policies and practices. As well as the formal AGM business, members’ ... Read more

Retrofitting and renovating for the future

POSTED ON 9 February 2018
In a guest blog, Aneaka Kellay, from Carbon Co-op, discusses how their work is helping to shift Government policy on energy-efficient renovations and provides tips for homeowners considering improving the energy performance of their home.  It has become clear that home energy efficiency improvements have a significant part to play in our future ... Read more