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. 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





Woodlands 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

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When your buy-to-let project is complete

For us to apply the C-Change sustainable homes or C-Change retrofit, once your work is complete you need to provide an Energy Standard certificate and, if applicable an Architect or Building Control certificate. Or, for us to apply the C-Change energy improvement discount, please send us all invoices for qualifying works.

The discounts are only applied to our Variable Rate from the date we receive evidence that the work has been completed and, if applicable, the Energy Standard rating required has been achieved.

How we work out your buy-to-let Variable Mortgage Rate:
Buy-to-let Variable Rate (VR) minus C-Change discount = Variable Mortgage Rate

When your conversion is complete

When your conversion works are complete and you provide us with the required evidence,  we will either apply the C-Change sustainable homes discount or C-Change energy improvements discount, depending on the discount your project qualifies for.

For us to apply the C-Change sustainable homes discount, you need to provide an Energy Standard certificate and Architect or Building Control certificate. We will apply the applicable C-Change sustainable homes discount to our Standard Variable Rate from the date we receive evidence that the work has been completed and the Energy Standard rating required has been achieved.

For us to apply the C-Change energy improvements discount, please supply us with invoices for qualifying works.  We will apply the applicable C-Change energy improvements discount to our Standard Variable Rate from the date we receive the required invoices.

How we work out your Variable Mortgage Rate:
Standard Variable Rate (SVR) minus C-Change Discount = Variable Mortgage Rate

Our fees

Valuation fees

Value of property not exceedingFee
£100,000£180
£150,000£210
£200,000£240
£250,000£270
£300,000£300
Up to each £50,000 thereafter add£30

Please note these fees apply to residential and buy-to-let applications. Valuation fees include VAT.  In all other instances, the fee required will be determined on a case-by-case basis.

Application Fee

A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee.

Early repayment charge

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

Our service, fees, tariffs and charges

The Society reserves the right to amend existing services and charges, or to introduce new ones.

Any change to charges will only reflect the increased operational costs of providing the service. You will always be notified before any changes are implemented.

For further details and tariff information please see Our rates and charges leaflet.

For new builds and existing energy efficient homes: C-Change sustainable homes discount

Our C-Change sustainable homes discount applies to new and existing energy efficient homes and extensive retrofits using the Passivhaus EnerPHit methodology. Once your build is complete, you need to provide an Energy Standard certificate and Architect/Building Control certificate for us to apply the Sustainable C-Change discount. The discount is applied from the date we receive all the required documentation and is based on the Energy Standard rating the property achieves.

 

Energy StandardRatingsSVR (Standard Variable Rate)Discount %Variable Mortgage Rate
PassivhausPassivhaus4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC
PassivhausEnerPHit or
EnerPHit+i
4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC
PassivhausEnerPHit (PHPP modelled)4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Energy Performance Certificate (EPC)A or above4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Energy Performance Certificate (EPC)B (SAP rating 85+)4.65%0.50%4.15%. The overall cost for comparison is 4.80% APRC
Association for Environment Conscious Building (AECB)Silver4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Association for Environment Conscious Building (AECB)Gold4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC

How to enquire

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





Self-Build 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 enquire

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





Conversion 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 enquire

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





Renovation 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.


Operating an account: deposits

The minimum deposit is £250

You can save monthly by Direct Debit or standing order

Deposits can be made by the Scheme Administrator by cheque through the post or transfer via the banking system