Archives: FAQ - Mortgages

How to apply

If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

    Housing developers mortgage enquiry

    First name*

    Surname*

    Email address*

    Phone number*

    What do you want to do?

    How much would you like to borrow?

    How will you finance it?

    We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


    How to apply

    If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

      Community groups and charities mortgage enquiry

      First name*

      Surname*

      Email address*

      Phone number*

      What do you want to do?

      How much would you like to borrow?

      How will you finance it?

      We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


      How to apply

      If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

        Community-led housing mortgage enquiry

        First name*

        Surname*

        Email address*

        Phone number*

        What do you want to do?

        How much would you like to borrow?

        How will you finance it?

        We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


        How to apply

        If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

        How to apply

        If you're interested in joining Ecology as a borrower, we'd love to hear from you.

        Because we take an individual approach to every mortgage, we like to discuss your application with you over the phone to make sure it fits our criteria and to answer any questions you have.

        You can contact us on 01535 650 770, or you can email us via our enquiry form. We receive a lot of enquiries through our website, so there may be a delay before we can respond to you. If your enquiry is urgent, please contact us by phone.

        When you get in touch with us, it's helpful if you can provide us with some basic information about your project:

        • what you want to do (especially the environmental aspects of your project)
        • how much you'll need to borrow
        • how you intend to finance it.

        For residential mortgage enquiries, please contact one of our mortgage advisors to discuss your project and your mortgage requirements.  You can find out more about the process by downloading The application process: a step-by-step guide

          Energy improvement mortgage enquiry

          First name*

          Surname*

          Email address*

          Phone number*

          What do you want to do?

          How much would you like to borrow?

          How will you finance it?

          We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


          Energy efficiency criteria

          Normally you will be purchasing a property that is already fully completed and to qualify for our mortgage the property must be classified as an energy efficient property. You will need to provide us with evidence that the property achieves one of the Energy Standards ratings  in the table below.

          How we work out your Variable Mortgage Rate:
          Standard Variable Rate (SVR) minus C-Change discount = Variable Mortgage Rate
          Energy StandardRatingsSVR (Standard Variable Rate)Discount %Variable Mortgage Rate
          PassivhausPassivhaus6.29%1.50%4.79%. The overall cost for comparison is 5.00% APRC representative.
          PassivhausPHPP Modelled6.29%0.75%5.54%. The overall cost for comparison is 5.80% APRC representative.
          Energy Performance Certificate (EPC)A (SAP rating 110+) (++)6.29%1.25%5.04%. The overall cost for comparison is 5.20% APRC representative.
          Energy Performance Certificate (EPC)A (SAP rating 100-109) (+)6.29%1.00%5.29%. The overall cost for comparison is 5.50% APRC representative.
          Energy Performance Certificate (EPC)A (SAP rating 92-99)6.29%0.75%5.54%. The overall cost for comparison is 5.80% APRC representative.
          Energy Performance Certificate (EPC)B (SAP rating 88-91)6.29%0.50%5.79%. The overall cost for comparison is 6.00% APRC representative
          Association for Environment Conscious Building (AECB)AECB CarbonLite Building Standard6.29%1.00%5.29%. The overall cost for comparison is 5.50% APRC representative

          Our C-Change discounts

          For new builds: C-Change sustainable homes discount
          Energy Standard          		RatingsBuy-to-let Variable RateDiscount %Variable Mortgage Rate
          PassivhausPassivhaus6.79%1.50%5.29%
          PassivhausPHPP Modelled6.79%0.75%6.04%
          Energy Performance Certificate (EPC)A++ (SAP rating 110+)
          		6.79%1.25%5.54%
          Energy Performance Certificate (EPC)A+ (SAP rating 100-109)6.79%1.00%5.79%
          Energy Performance Certificate (EPC)A (SAP rating 92-99)6.79%0.75%6.04%
          Energy Performance Certificate (EPC)B (SAP rating 88-91)6.79%0.50%6.29%
          Association for Environment Conscious Building (AECB)AECB CarbonLite Building Standard6.79%1.00%5.79%
          For whole house renovations: C-Change retrofitRatingsBuy-to-let Variable RateDiscountVariable Mortgage Rate
          Energy Performance Certificate (EPC) for retrofit projects EPC rating improvement6.79%0.25% per grading improvement†6.54% - 5.29%
          C-Change energy improvement discountRatingsBuy-to-let Variable RateDiscountVariable Mortgage Rate
          For specific energy improvements worksEvidenced via invoices and our C-Change energy improvement checklist***6.79%A 1.00% discount is applied on funds borrowed specifically for qualifying energy improvement works (see C-Change energy improvement checklist***)5.79% *
          6.79% **

          * on funds borrowed specifically for qualifying energy improvement works
          ** for funds borrowed that are not related to qualifying energy improvement works to the property
          *** C-Change energy improvement checklist
          † For a buy-to-let renovation mortgage you must improve by at least 2 EPC ratings

           

           

          When your project is complete

          For us to apply the applicable C-Change energy improvements discount, once your work is complete you need to provide invoices for the qualifying energy saving measures installed.

          The discount is only applied to our Standard Variable Rate when we receive evidence that the work has been completed and the Energy Standard rating required has been achieved.

          How we work out your Variable Mortgage Rate:
          Our Standard Variable Rate minus C-Change discount = Variable Mortgage Rate