• 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.

Let’s say a property’s full market value is £250,000, but it’s offered at a 30% discount. You’d pay £175,000, and we could lend you up to 95% (£166,250) of the discounted figure of £175,000. Your mortgage would be based on that discounted price.

Our Renovation Mortgage is designed for people who wish to transform existing buildings into more sustainable, energy-efficient spaces. Whether you’re restoring a rural cottage, retrofitting a Victorian terrace, or breathing new life into an old residential building, your project could qualify.

We consider a wide range of property types, including:

• Traditional homes – including stone cottages, brick terraces, and timber-framed houses in need of modernisation, and an upgrade to their energy efficiency
• Properties built with non-standard construction – unconventional builds that are often hard to finance elsewhere
• Derelict or ‘unmortgageable’ properties – we’ll consider projects others may not, provided there’s a clear plan for improvement and renovation.

To qualify, your renovation should aim to improve the property’s environmental performance. We’ll look for:

• Works you plan to do to improve the energy efficiency of your property
• Consideration of renewable energy systems e.g. solar panels, heat pumps
• An improvement of at least one grade on your property’s Energy Performance Certificate (EPC) rating.

Our mortgages are available in the UK (England, Scotland, Wales and Northern Ireland) and available for purchases or remortgages.

How do I register as Power of Attorney (POA) with Ecology?

Fill in our registration form and return it to us along with the original POA document or a certified copy. We will also need proof of your address if you are not an Ecology Member yourself.

We will return the documents to you and send confirmation of the registration by post. Once you have received your confirmation letter you will be able to register for online viewing access

What identification will I need to provide?

You will need to provide two forms of identification. The easiest way is to give us permission to run an electronic identity check . You can do this using this Consent to an Electronic Search form. 

Alternatively, you can send us two forms of identification. The acceptable documents can be found here.

The acceptable documents are listed here.

How do I register to view the savings account online?

You can register to  view the savings account online here.

Please note you will register in your name, not the name on the account you will be viewing.

What happens once I have registered as a POA?

We will write to you to confirm you can now access the accounts and provide details on how to do so.

Please note, you will only be able to view the account online, you will not be able to make withdrawals.

Can I operate the account online as a POA?

Powers of Attorney can view savings account(s) online but they cannot make any withdrawals. This must be done by post or telephone.

What’s the difference between a Lasting Power of Attorney, Enduring Power of Attorney and a Deputy?

Lasting Power of Attorney (LPA): a legal document that lets you appoint one or more people to help you make decisions or make decisions on your behalf.

There are two types of LPA :

1. Health and welfare 
2. Property and financial affairs. 

You must have mental capacity when you make your LPA. 

Enduring Power of Attorney (EPA): EPAs have been replaced by LPAs but can still be used if you have one. An EPA is a legal document that lets you appoint one or more people to help you make decisions or make decisions on your behalf. EPAs only cover property and financial matters.  

Deputies: A deputy is appointed by the Court of Protection if an individual does not have mental capacity (cannot make decisions for themselves). There are two types of deputyship: 

1. Personal welfare, where you make decisions about their medical treatment and care.
2. Property and financial affairs where you can make decisions about their money and property.  

If you are appointed as a deputy, the court order will say what you can and can’t do.

• We’ll lend based on a full affordability assessment and at a maximum Loan To Value of 80%.
• Applicants must be aged 18 years or over. The mortgage is only available to UK residents.
• A maximum mortgage term of 30 years is available (subject to eligibility).
• Mortgages are available on a repayment, interest only or part (repayment) and part (interest only) subject to eligibility.
• The property must have a minimum EPC rating of 85 or higher to be eligible for this product. If the property is a new build in development, please provide a copy of the predicted energy assessment.
• If the property is 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 only available for houses, not flats.
• This product is available to all property located in the UK.
• This product is not eligible for C-Change Discounts.
• Builder Gifted Deposits and Incentives are not accepted.
• The Eco Reward Mortgage is only available for existing Ecology Members who qualify for the product under our eligibility criteria.