If you’re planning to build an energy-efficient off-site construction property through one of our supported suppliers, we’re here to help.
At Ecology, we’re not put off by the construction type; we’ll support many types of construction techniques. If we can see your build will be energy efficient using sustainable and locally sourced materials through one of our suppliers, we’ll consider lending.
This mortgage is only available where you are purchasing your build through one of our supported suppliers. Please see ‘Our suppliers’ section for further details.
Our mortgages are available throughout the UK (England, Scotland, Wales and Northern Ireland).
We’ll lend money to help buy the land and pay for the build.
We offer two types of mortgages within our mortgage range. Details of interest rates and charges can be found in the ‘Our mortgages’ section.
Off-site Build Mortgage – we’ll release up to 80% of the purchase price or value of the property and subsequently, the money required for the build. As you continue with your build, flexible staged payments of up to 80% of your increased build value will be released – this will help you keep tabs on your budget and planning.
Off-site Build Mortgage (Advanced Payments) – We’ll release up to 80% of the purchase price or value of the property and subsequently, up to 80% of the final value of the property to help you cover your build costs.
We recognise that some customers experience cashflow issues when suppliers require high, upfront payments to pay for their property being built in a factory off-site with the property later mobilised on your land. With our innovative advanced payment mortgage, when your build manufacturer requires payment for the kit deposit, manufacturing, construction and delivery, this mortgage will provide payments up to 80% of the cost value. This ensures you have adequate cashflow to cover the cost of your build.
This type of mortgage may be suitable if you have limited deposit remaining after you have purchased the land and covered some of the infrastructure costs to the land.
