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Ecology Building Society is a specialist lender providing mortgages primarily to customers interested in energy efficient and ecologically conscious building projects.

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Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2022 From NatWest
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Interest only option.
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Dec-2022 From Royal Bank Of Scotland
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2025 From NatWest
Initial rate 1.55% Dec-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mon: 8am - 8pm
Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
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Compare Ecology Building Society mortgages

Ecology Building Society customers tend to be people looking to self-build, renovate or convert properties to meet specific energy efficiency ratings. They also offer mortgages for energy efficiency improvements, buy-to-lets that meet their environmental standards and shared ownerships on energy efficient affordable housing, as well for purchasing woodlands and land for mooring boats.

Residential mortgages

Ecology Building Society offer loans of up to 80% of a property’s value to customers looking to self-build, renovate, convert or make energy improvements to a property. Their lending tends to be up to four times the sole or combined income of the borrower or borrowers.

Buy to Let mortgages

You can borrow up to 70% of the value of a property with a buy to let mortgage from Ecology. They also look at the monthly rental income of the property, which should be 35% more than the monthly mortgage repayments. Your personal income will also be taken into account.

Shared ownership mortgages

Customers interested in buying a property on a shared ownership basis can borrow up to 95% of the value of their share of the property. The mortgage will also need to be a maximum of four times the income of the borrower or borrowers.

Mortgages to buy land

If you are interested in buying woodlands for conservation or protection purposes, or land to build a mooring for a boat, you can borrow up to 70% of its value with Ecology Building Society. The amount you can borrow will, again, be limited at a maximum of four times the sole or joint income of the borrower or borrowers.

Loan to value ratio

With any kind of mortgage, one of the key things a lender will look at is the loan to value (LTV) ratio. This shows them how much the amount you want to borrow is as a percentage of the total value of the property or land you wish to secure the debt against.

This means, if you were looking to take out a £50,000 mortgage on a property worth £100,000, your LTV would be 50%. LTV also takes into account existing debt, so if you already had a £50,000 mortgage on a £100,000 property, then wanted to borrow an extra £25,000, your LTV would be 75%.

Most lenders will usually give better interest rates on mortgages with a lower loan to value ratio, although this is affected by a number of factors.

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