Current Variable Rate is 6.50%
We’ll consider lending up to four times joint or sole income subject to loan-to-value and an affordability assessment
You can borrow up to 70% of the woodlands purchase price or current value (whichever is the lower), subject to eligibility
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years
Mortgages are available on a repayment basis only
A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee
Our minimum loan amount is £7,000 and our maximum mortgage term is 25 years, subject to eligibility
Our mortgages for woodland are not regulated by the Financial Conduct Authority.
Our approach to lending
- We are experts in providing mortgages for small woodlands for conservation and preservation purposes
- Our mortgages are available in the UK (England, Scotland, Wales and Northern Ireland).
Our standard of service
Where a mortgage is not regulated by the FCA (as shown on the 'Key features' tab), you will be provided with full information about the mortgage products available from the Society so that you can make an informed decision as to which is suitable for your requirements.
Jenny’s story: A simple and light urban Passivhaus
Project type: Self-build
In her mind’s eye, Jenny wanted a self-built home that was simple and beautiful, plain but not austere, with high ceilings and flooded with light from every direction. She also wanted to create a low-energy and low-tech build, constructed from sustainable, locally sourced materials. With the support of an Ecology mortgage, Jenny achieved this ...ReadSee all projects
Nina and Phil’s story: Big love for a smallholding
Project type: Woodlands
Frustrated by the ethos and stresses of many modern businesses, Nina and Phil wanted to do things differently. Their dream of running a sustainable, low-impact smallholding began in 2007. After viewing several parcels of land, the couple identified an inspiring fifteen-acre plot high above the town of Silsden in West Yorkshire. Approaching ...ReadSee all projects
Rob and Karin’s story: The first certified Passivhaus Plus in the UK
Project type: Self-build
Rob and Karin set out to build a comfortable family home that would improve their quality of life as well as reduce their carbon footprint. They chose the Passivhaus Plus standard for their build, which combines the Passivhaus approach to minimising energy requirements with on-site renewable energy generation. This means that the building ...ReadSee all projects
Irene and David’s story: Converting to Passivhaus
Project type: Conversion
After living happily in a Victorian house on the outskirts of Ripon, North Yorkshire, for 20 years, Irene and David were ready for a change. They wanted a home that was less costly to heat and maintain, in a location that would reduce their reliance on car travel. This is exactly what they achieved. Their new house is an energy-efficient converted ...ReadSee all projects
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 (May/June 2018 issue).
|Value of property not exceeding||Fee|
|Up to each £50,000 thereafter add||£30|
Please note these fees apply to residential and buy-to-let applications. Valuation fees include VAT. In all other instances, the fee required will be determined on a case-by-case basis.
A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee.
Early repayment charge
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.
Our service, fees, tariffs and charges
The Society reserves the right to amend existing services and charges, or to introduce new ones.
Any change to charges will only reflect the increased operational costs of providing the service. You will always be notified before any changes are implemented.
For further details and tariff information please see Our rates and charges leaflet.