Community and commercial mortgages

Community-led housing mortgage

We specialise in mortgages for the creation of intentional community-led housing communities, construction of energy efficient new homes and renovations, including poor quality, derelict, empty properties - which many other lenders may reject.

ANY HOME OR PROPERTY GIVEN AS SECURITY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

 

Key details

For community-led housing groups our current Variable Rate ranges  from 3.50% to 5.50%
You can borrow up to 80% of the property’s value
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years

 
 

Housing developers mortgage

We specialise in providing mortgages for small-scale housing developers seeking to build or renovate residential properties in a sustainable manner to sell.

ANY HOME OR PROPERTY GIVEN AS SECURITY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

 

Key details

Our current Variable Rates range from 4.65% to 6.65%
Mortgages are available on an interest-only basis
You can borrow up to 70% of the property’s value


Charities and community groups mortgage

We specialise in providing mortgages for charities, voluntary organisations and community groups that support the environment or deliver benefits to local communities.

ANY HOME OR PROPERTY GIVEN AS SECURITY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

 

Key details


Variable Rates from 4.65% to 6.65%
You can borrow up to 80% of the property’s value
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years


Sustainable business mortgage

We specialise in providing mortgages for businesses that support the environment or deliver sustainable benefits to the economy and local communities.

ANY HOME OR PROPERTY GIVEN AS SECURITY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

 

 

Key details

Variable Rate for sustainable businesses range from 4.65% to 6.65%
You can borrow up to 70% of the property’s value
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years

 

 

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Part-residential mortgage

We specialise in mortgages for part-residential borrowers who run a sustainable enterprise from home. We can consider lending if you are building, buying or renovating a live/work property – or converting to one.

ANY HOME OR PROPERTY GIVEN AS SECURITY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

 

Key details

Variable Rate for part-residential mortgages is 5.50%
You can borrow up to 80% of the property’s value where a residential property is present
We can consider lending up to four times joint or sole income subject to loan-to-value. Our final decision on how much we lend will be based on our overall affordability assessment
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years


  

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Ecology Building Society was rated as an ethical Best Buy for our mortgages and savings accounts by Ethical Consumer magazine in its product guide rankings (July/August 2016 issue).

 

 

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Residential mortgages

Our residential mortgages are available for self-build, renovation, conversion, energy improvements, moorings, woodlands, buy-to-let, or shared ownership.

View Mortgages