Ecology Building Society
Building SocietyEcology Building Society is a specialist green lender dedicated to supporting sustainable and ecological building projects across the UK. It provides mortgages for energy-efficient homes, eco-renovations, and self-build projects, making it a unique choice for environmentally conscious borrowers.
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Lending Focus
Ecology Building Society offers mortgage products across 2 categories including Residential, Self Build.
Key Features
- UK's only dedicated green mortgage lender with ecological focus
- Self-build and renovation mortgages for energy-efficient and sustainable projects
- Discounted rates for properties with high energy performance ratings
- Lending on non-standard construction types including straw bale, cob, and earth sheltered
- C-Change discount rewarding improvements in a property's energy efficiency
Pros & Cons
Pros
- UK's only dedicated green mortgage lender — unique in the market
- Lends on non-standard construction types that other lenders refuse (straw bale, cob, earth sheltered)
- C-Change discount rewards energy efficiency improvements with lower rates
- Self-build mortgages tailored for sustainable and ecological projects
Cons
- –Maximum LTV of 85% — requires a larger deposit than most lenders
- –No buy-to-let or commercial mortgage products
- –Maximum loan amount capped at £1 million
Fees & Charges
Arrangement Fee
£995 or fee-free options on selected products
Valuation Fee
£250–£1,000 depending on property value and type
Early Repayment Charge
1–3% during the initial deal period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Ecology Building Society. In the meantime, visit their website for the latest rates.
View rates on Ecology Building SocietyApplication Process
Processing Time
4–6 weeks from application to offer
Online DIP
No — via broker or branch
Offer Valid For
6 months
Lending Criteria
Maximum LTV
85%
Max Loan Amount
£1m
Min Loan Amount
£25k
Rate Types
fixed, discount
Frequently Asked Questions
What types of properties does Ecology Building Society lend on?
What is the Ecology C-Change discount?
Does Ecology Building Society offer self-build mortgages?
What is the minimum deposit required for an Ecology mortgage?
How to Apply
Direct & Broker Access
You can apply directly with Ecology Building Society or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Ecology Building Society Broker?
Find FCA-regulated mortgage brokers who have Ecology Building Society on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.