Legal information

Ecology Building Society 

We are members of the Building Societies Association and UK Finance.

Our Head Office is at 7 Belton Road, Silsden, Keighley, West Yorkshire BD20 0EE. Telephone: 01535 650 770. Email: [email protected].

Telephone calls may be recorded and monitored to help customer service, staff training and for the purposes of security and fraud prevention.

Ecology Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 162090. To view the register click here. You can access independent consumer advice about money and financial issues at the Money Advice Service.

This Website

This website is owned and operated by Ecology Building Society. All designs, logos, images and material used on this website cannot be used without the prior written consent of Ecology Building Society.

The services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction. The terms and conditions of use of this website are governed by the laws of England and Wales, and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We do not necessarily endorse and are not responsible for the accuracy of information, products or services of organisations to which links are provided from this website.


We aim to provide a high standard of service to all our customers. However, occasionally things can go wrong. When this happens, we want to put matters right as quickly as possible. If you have a complaint about any aspect of the service you have received, please contact us straightaway.

You can view our internal complaints procedure here.  This explains how we will try to resolve your complaint and how, if you are still not satisfied, you can ask for it to be investigated impartially by the Financial Ombudsman Service, whose address is: Exchange Tower, London E14 9SR, or you can visit their website

Central cheque clearing cycle

The central clearing cycle for cheques and automated payments is normally 3 banking days; however, as the Society is not a clearing bank, your cheque will take 7 banking days to clear.

Although you are normally able to withdraw against a cheque paid into your account 7 banking days from the day we have received it, this does not always mean that the cheque has been "cleared". If the cheque is not "cleared", you will have to repay us the amount of the withdrawal.

Financial Services Compensation Scheme

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. Please click here for further information or visit

FSCS Information Sheet 


Products and services

All our products and services:

  • Are only available to UK residents
  • Are subject to availability and may be modified or withdrawn at any time without notice
  • Are subject to conditions.

Our mortgages:

  • Are only available for the purchase of properties in England, Wales, Scotland and Northern Ireland
  • Are governed by our Rules, the Mortgage Conditions and Special Conditions relating to each mortgage - if there is a disagreement involving the Mortgage Conditions and the Special Conditions, the Special Conditions will apply
  • Are usually only available to people who will live in the property they are buying with the mortgage
  • Are available to UK residents over the age of 18 and who meet our lending criteria
    Depend on your circumstances and a satisfactory valuation of the property you are buying.

    Your property will be security for the loan. Your home may be repossessed if you do not keep up repayments on your mortgage.