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For new builds and existing energy efficient homes: C-Change sustainable homes discount

Our C-Change sustainable homes discount applies to new and existing energy efficient homes and extensive retrofits using the Passivhaus EnerPHit methodology. Once your build is complete, you need to provide an Energy Standard certificate and Architect/Building Control certificate for us to apply the Sustainable C-Change discount. The discount is applied from the date we receive all the required documentation and is based on the Energy Standard rating the property achieves.

 

Energy StandardRatingsSVR (Standard Variable Rate)Discount %Variable Mortgage Rate
PassivhausPassivhaus4.15%1.25%2.90%. The overall cost for comparison is 3.10% APRC
PassivhausEnerPHit or
EnerPHit+i		4.15%1.25%2.90%. The overall cost for comparison is 3.10% APRC
PassivhausEnerPHit (PHPP modelled)4.15%0.75%3.40%. The overall cost for comparison is 3.60% APRC
Energy Performance Certificate (EPC)A or above4.15%0.75%3.40%. The overall cost for comparison is 3.60% APRC
Energy Performance Certificate (EPC)B (SAP rating 88+)4.15%0.50%3.65%. The overall cost for comparison is 3.80% APRC
Association for Environment Conscious Building (AECB)Silver4.15%0.75%3.40%. The overall cost for comparison is 3.60% APRC
Association for Environment Conscious Building (AECB)Gold4.15%1.25%2.90%. The overall cost for comparison is 3.10% APRC

How to enquire

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

    Self-Build 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 enquire

    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

      Conversion 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 enquire

      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

        Renovation 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.


        Operating an account: deposits

        The minimum deposit is £250

        You can save monthly by Direct Debit or standing order

        Deposits can be made by the Scheme Administrator by cheque through the post or transfer via the banking system

        Operating an account: withdrawals

        Funds will only be repaid to the Scheme Administrator either by cheque or Faster Payment (up to a maximum of £100,000).

        Amounts over £100,000 will need to be sent by CHAPS for which a charge will be applied. Please refer to our Current savings rates and charges leaflet

        If a withdrawal would take the account balance below the required amount to keep the account open (£250), the account will have to be closed

         

        Identification requirements

        Verifying identities helps protect us all from fraud
        • We carry out identification requirements to protect everyone from fraud
        • Where possible, we will first use electronic searches to confirm your identity

        All banks, building societies and financial institutions are required by law to verify the identity of any individual or organisation that opens an account with them. This is necessary to protect the organisation, its members and the public from fraud and also to help combat money laundering.

        You should note that there may be occasions when documentation over and above that stated here will need to be produced and you will be told if this applies to you.

        What we need to verify an individual's identity

        Existing member - quote your account number on your application:
        If you already have an account with us and quote your account number on your application, we may not need any further evidence of your identity and address.


        New to Ecology:
        If you're new to Ecology, we'll verify your identity via electronic searches.


        What we'll need if we request more information:
        If we need more information, we'll ask you to provide us with two additional forms of identification, one from each of the tables (see below).

        Table A

        • HM Revenue & Customs tax notification
        • Letter issued by the benefits agency
        • Passport (certified copy)
        • UK driving licence (certified copy)

        +

        Table B

        • Bank current account statement
        • Building society or bank investment account statement
        • Council tax bill
        • Gas bill
        • Electricity bill
        • Water bill
        • Telephone bill (not mobile telephone)
        • Mortgage statement
        • Credit or store card statement

         

        Joint account? You must each have your identity verified. However, both of you may rely on the same items from Table A and Table B if they are addressed to and clearly identify each of you.

        Please note:
        • Online statements or downloaded documents cannot be accepted under any circumstances
        • Any documents produced must be current and issued within the last 12 months
        • The identification provided must be from different organisations
        • All original documents will be returned to you when the account has been opened
        • Copy documents are not acceptable, except in the case of passports and driving licences, which must be certified (see below)

        Copies of passports and driving licences must be certified by one of the following:

        • Accountant
        • Bank or building society official
        • Doctor
        • Minister of religion
        • Regulated financial adviser or mortgage broker
        • Solicitor
        • Teacher

        Certification: The document that is being certified must state 'original seen' as well as being dated and signed. The document should also include the name of the certifier, their profession and full contact details. If the identification is photographic, the certifier must state that 'the photograph is a good likeness of the applicant'. The certifier must not be related to the applicant in any way, or named as a joint account holder.