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Eligibility Criteria

Eligibility Criteria

We’ll lend based on a full affordability assessment and at a maximum Loan to Value of 95%.
Applicants must be aged 18 years or over. The mortgage is only available to UK residents.
A maximum mortgage term of 35 years is available (subject to eligibility).
Mortgages are available on a repayment basis only.
The property must have a minimum EPC rating of C or higher. If the property is a new build in development, please provide a copy of the predicted energy assessment.
If the property was built in the last 10 years, the property must have an acceptable build warranty (subject to eligibility).
The mortgage is available for non-standard construction types (for example, timber frame or clad) providing the property complies with the Society’s requirements.
This product is available to all property located in the UK.
The discounted market sale agreement must include a Mortgagee in Possession Clause in England and Wales (or a Rural Housing Burden Agreement in Scotland), to allow the lender to resell the property in the event of repossession. This must be linked to locality or wage index (not profession).
This product is not eligible for C-Change Discounts.
Builder Gifted Deposits and Incentives are not accepted.

Your eligible deposits with Ecology Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Download the FSCS leaflet for further details or visit www.fscs.org.uk | FSCS Information Sheet

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