Archives: FAQ - Mortgages

How to apply

If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

    Sustainable business mortgage enquiry

    First name*

    Surname*

    Email address*

    Phone number*

    What do you want to do?

    How much would you like to borrow?

    How will you finance it?

    We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


    How to apply

    If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

      Part-residential mortgage enquiry

      First name*

      Surname*

      Email address*

      Phone number*

      What do you want to do?

      How much would you like to borrow?

      How will you finance it?

      We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


      How to apply

      If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

        Housing developers mortgage enquiry

        First name*

        Surname*

        Email address*

        Phone number*

        What do you want to do?

        How much would you like to borrow?

        How will you finance it?

        We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


        How to apply

        If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

          Community groups and charities mortgage enquiry

          First name*

          Surname*

          Email address*

          Phone number*

          What do you want to do?

          How much would you like to borrow?

          How will you finance it?

          We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


          How to apply

          If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

            Community-led housing mortgage enquiry

            First name*

            Surname*

            Email address*

            Phone number*

            What do you want to do?

            How much would you like to borrow?

            How will you finance it?

            We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


            How to apply

            If you are interested in becoming an Ecology borrower we would love to hear from you. Complete the enquiry form below or call us on 01535 650 770

            How to apply

            If you're interested in joining Ecology as a borrower, we'd love to hear from you.

            Because we take an individual approach to every mortgage, we like to discuss your application with you over the phone to make sure it fits our criteria and to answer any questions you have.

            You can contact us on 01535 650 770, or you can email us via our enquiry form. We receive a lot of enquiries through our website, so there may be a delay before we can respond to you. If your enquiry is urgent, please contact us by phone.

            When you get in touch with us, it's helpful if you can provide us with some basic information about your project:

            • what you want to do (especially the environmental aspects of your project)
            • how much you'll need to borrow
            • how you intend to finance it.

            For residential mortgage enquiries, please contact one of our mortgage advisors to discuss your project and your mortgage requirements.  You can find out more about the process by downloading The application process: a step-by-step guide

              Energy improvement mortgage enquiry

              First name*

              Surname*

              Email address*

              Phone number*

              What do you want to do?

              How much would you like to borrow?

              How will you finance it?

              We’ll only use your details to respond to your query and for legal/regulatory obligations. Your information will not be used for marketing purposes, unless you have requested this.


              Energy efficiency criteria

              Normally you will be purchasing a property that is already fully completed and to qualify for our mortgage the property must be classified as an energy efficient property. You will need to provide us with evidence that the property achieves one of the Energy Standards ratings  in the table below.

              How we work out your Variable Mortgage Rate:
              Standard Variable Rate (SVR) minus C-Change discount = Variable Mortgage Rate
              Energy StandardRatingsSVR (Standard Variable Rate)Discount %Variable Mortgage Rate
              PassivhausPassivhaus6.29%1.50%4.79%. The overall cost for comparison is 5.00% APRC representative.
              PassivhausPHPP Modelled6.29%0.75%5.54%. The overall cost for comparison is 5.80% APRC representative.
              Energy Performance Certificate (EPC)A (SAP rating 110+) (++)6.29%1.25%5.04%. The overall cost for comparison is 5.20% APRC representative.
              Energy Performance Certificate (EPC)A (SAP rating 100-109) (+)6.29%1.00%5.29%. The overall cost for comparison is 5.50% APRC representative.
              Energy Performance Certificate (EPC)A (SAP rating 92-99)6.29%0.75%5.54%. The overall cost for comparison is 5.80% APRC representative.
              Energy Performance Certificate (EPC)B (SAP rating 88-91)6.29%0.50%5.79%. The overall cost for comparison is 6.00% APRC representative
              Association for Environment Conscious Building (AECB)AECB CarbonLite Building Standard6.29%1.00%5.29%. The overall cost for comparison is 5.50% APRC representative