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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 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
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Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% 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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"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

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Lines are open:
Mon: 8am - 8pm
Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
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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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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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Whether you are looking for a specialist mortgage or something more standard, if can be hard to know whether you are seeing the best deals available. Our mortgage calculator will match your specific requirements with our pick of the most attractive offers from across the market, making it quick and simple to see which offers you the best value.

All you need to do is head to the top of the page and plug in some basic details, including how much you want to borrow, how long for and what sort of mortgage you are looking for. The calculator will then do the rest, allowing you to easily compare and contrast the various offers and find the best one for you.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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