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 88+) 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 6.29%
The overall cost for comparison is 6.6% 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 three years.
Please note: The property should be improved by a minimum of two EPC bandings to qualify for this mortgage product.
Key details
Variable Rate is 6.29%
The overall cost for comparison is 6.5% 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 a full 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.
Please note: we're currently focusing on conversions that are aiming for Passivhaus or EPC B (SAP rating 85+) or above.
Key details
Variable Rate is 6.29%
The overall cost for comparison is 6.6% 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
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 8.64%
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 8.64%
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 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 7.04%
Up to 80% 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 6.29%
The overall cost for comparison is 6.6% 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
Community & commercial mortgages
Our mortgages are available for community-led housing, housing developers community groups and charities, sustainable businesses, and part-residential.
Ecology Building Society was rated as an ethical Best Buy for our mortgages, ISAs and savings accounts by Ethical Consumer magazine in its product guide rankings (May/June 2018 issue).
