Residential mortgages

YOUR HOME, PROPERTY OR LAND MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Self-build

We specialise in mortgages for self-build projects which meet specific Energy Standard ratings or help promote sustainable living and we welcome non-standard construction types.

Please note: we're currently focusing on self-build properties that are aiming for Passivhaus or EPC B (SAP rating 85+) or above.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Standard Variable Rate is 4.65%
The overall cost for comparison is 4.80% APRC
Up to 80% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


Renovation

We specialise in mortgages for renovation projects where you are extensively improving the energy efficiency of the property.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Standard Variable Rate is 4.65%
The overall cost for comparison is 4.80% APRC
Up to 90% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment

 
 

Conversion

We specialise in mortgages for conversion projects which meet specific Energy Standard ratings.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Standard Variable Rate is 4.65%
The overall cost for comparison is 4.80% APRC
Up to 80% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


Energy Improvements

We specialise in mortgages for funds used for specified energy saving measures or renewable energy systems to your property.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Standard Variable Rate is 4.65%
The overall cost for comparison is 4.80% APRC
Up to 90% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


Moorings

A mortgage available to support the purchase of land with planning consent for mooring a houseboat.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Variable Rate is 6.50%
Up to 70% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


Woodlands

A mortgage for the purchase of a small woodland specifically for protection and conservation purposes.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Variable Rate is 6.50%
Up to 70% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


Buy-to-let

We specialise in mortgages for buy-to-let projects which meet specific Energy Standard ratings, where you are looking to self-build a property to let or improving the energy performance of an existing property to let.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Variable Rate is 4.90%
Up to 70% loan-to-value
To assess affordability the rental income derived from the property must be at least 35% more than the mortgage repayment due. We also need to evidence you have sufficient personal income to maintain your personal expenditure.


Shared Ownership

We specialise in mortgages for energy efficient, affordable housing for borrowers looking to purchase a shared ownership property.

An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.

 

Key details

Standard Variable Rate is 4.65%
The overall cost for comparison is 4.80% APRC
Up to 95% loan-to-value
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment


  

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best buy_ECM 

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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Community & commercial mortgages

Our mortgages are available for community-led housing, housing developers community groups and charities, sustainable businesses, and part-residential.

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