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Intermediary hub
We're here to help you find a mortgage that fits your client's needs, however unique. From energy-efficient conversions and renovations, to shared ownerships – wherever a project delivers an environmental or social benefit, we'll consider lending on it. So, if you're looking for a specialist provider who will go beyond the mainstream to deliver innovative, straightforward solutions, you've come to the right place. This page is for professional intermediary use only.
Proud to partner with:
Products
Whether a case is straightforward or unusual, if we can see an environmental or social benefit, we'll be keen to find out more.
Lending criteria guide
Want to know more about what we lend on? Our guide is designed to help you understand our lending criteria and whether our mortgages could meet your client's needs.
Calculator
Use our handy Excel affordability calculator to find out how much your client may be able to borrow with an Ecology mortgage.
Product Information
Download our Product Information Sheets here. If you have a question that isn't covered, drop us a line and we'll be happy to help.
C-Change Discounts
We offer a unique range of tiered discounts, based on a property's energy efficiency and available for the lifetime of the mortgage.
Contact us
Want to speak with one of our experts.
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or alternatively use the contact us form.
Client declaration form
Mortgage Direct Debit form
Document certification form
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Customer project
Number 23 retrofit renovation
Project type: Renovation
Number 23 is an award-winning whole house retrofit and refurbishment, made possible through an Ecology Renovation Mortgage. This three-bed 1960s riverside bungalow has been transformed from a hard to heat, oil-fired dwelling, into a healthy, fossil-fuel-free home. Winner of the Energy Efficiency Awards 2025 ‘Small Scale Project of the Year’ for ...
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Customer project
The Leeds Library’s expansion and redevelopment
Project type: Community groups & charities
The Leeds Library – the oldest subscription library in the UK – is embarking on the ‘Next Chapter’ in its 256-year history, made possible through an Ecology charity mortgage. The Next Chapter project, supported by an Ecology Lending for Community Gain mortgage, is an exciting expansion into the adjacent 19th century building on ...
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Customer project
Ham Wharf
Project type: Moorings
Helping Ham Wharf Ecology Building Society was delighted to lend the funding for a project providing fair, equitable and sustainable living for 22 people across 17 residential moorings on the River Brent, Brentford, West London. We asked Sarah King, Ham Wharf Mooring Co-operative Member and group spokesperson, to tell us their ...
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Customer project
Crofts Court by Oxfordshire Community Land Trust
Project type: Community-led housing
Introduction to Oxfordshire Community Land Trust Oxfordshire Community Land Trust’s mission is to help solve Oxfordshire’s housing crisis through the provision of permanently affordable homes, and to act as a positive example for other community land trusts throughout the UK. Today, the need for affordable homes has never been greater with ...
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Customer project
Anchorage Passivhaus Self-Build Project
Project type: Self-build
Introduction to Kerry and Frank Kerry and Frank have been doing self-builds for over 40 years and have started 6 projects between them. Four were completed successfully and became their family homes for several years; one was sold and built by others; one is currently in progress. For most of those years, they’ve been so far ahead of the ...
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Customer project
Global Link – Building a future for refugees
Project type: Community-led housing
This is the inspirational story of Global Link, their determined leader, and the thousands of people who have been touched by the essential work they do every day. Gisella, Executive Director of Global Link, truly embodies that great Henry Ford quote: “If you believe you can, or you believe you can’t, then you’re probably right.” Gisella ...
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Customer project
Mull and Iona Community Trust – Delivering Affordable Homes
Project type: Off-site build
Mull and Iona Community Trust, a locally based charity, was set up over 20 years ago to address problems of geographic isolation and economic and social exclusion in remote communities on the islands of Mull and Iona, Scotland. Today, they continue to deliver community development projects to improve the quality of life of residents across these ...
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Customer project
Luisa & Chris Glinn’s – Cornwall barn conversion
Project type: Conversion
Luisa and her husband Chris wanted to settle into a home of their own, close to family in Cornwall. They needed a house with enough space for their two children and dogs, and to accommodate the equipment for Chris’ equestrian business. But with house prices in the area out of their reach, the only option for the couple was to convert a derelict ...
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Customer project
David and Gill’s offsite manufactured sustainable home
Project type: Self-build
David and Gill made the decision to realise their sustainable self-build dream right by their existing home on a conservation site in Hertfordshire. The triangular plot they purchased held a dated bungalow with an awkward footprint, which the couple’s new home, being a replacement dwelling, had to strictly follow. Rising to the challenge, they ...
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Customer project
Caroline’s story – The House at Wildcat Corner
Project type: Self-build
Caroline has always lived in the Highlands, known for its beautiful scenery. She owns a quiet plot of land north of Inverness on which she developed her own self-build home, after being inspired by low-carbon living at a self-build exhibition. Her main priority was creating an affordable, future-proof home that could withstand not only ...
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Rated as an ethical Best Buy for our mortgages and savings
What are your intermediary procurement fees and how are these paid?
Intermediary fees are 0.40% of the loan amount, with a minimum fee of £300 and a maximum of £2,000. The fee will be paid to the bank account specified by the intermediary via Bacs or Faster Payments.
How should my client pay any fees?
We will provide our bank details and application reference for any application and valuation fee to be collected.
Are your lending activities restricted?
We lend throughout England, Scotland, Northern Ireland & Wales. Full details of our criteria can be found in our Lending Criteria Guidelines.
Do you deal with applicants who have had adverse credit?
Yes, please refer to the Lending Criteria Guidelines for information.
For self-employed applicants, how many years’ accounts are required and what figures are used in assessing affordability?
A minimum of three years’ accounts must be available; our affordability assessment is completed as normal, using the average income received over these three years.
What income benefits are accepted?
You can find full details on the benefits we accept in our Lending Criteria Guidelines.
My client receives their income in a foreign currency. Will this income be taken into consideration when calculating affordability?
Income paid in a foreign currency is not considered in our affordability calculations.
How do I submit an application?
Please register as an intermediary on our Broker Online system and complete the online application.
I have never dealt with the Society before. Do I need to contact you by telephone to discuss submitting an application?
No, you can register online as a broker and apply for a DIP or submit an application online. However, please contact us if you wish to discuss a residential case which falls outside of our lending criteria, or if you have a buy-to-let case (buy-to-let cases must be referred to us prior to submission).
If you wish to discuss a proposal or have any questions, our Mortgage Team will be very happy to speak with you.
Who can I talk to about getting updates on one of my cases?
Please call our Mortgage Team directly on 01535 650 770.
