Residential Mortgage Rates
C-Change Discount: Ecology Building Society offer a rate discount for properties achieving EPC rating A or B, or where improvements are made during the mortgage term. Ask DBF for details.
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 4.29% | 4.54% | 4.94% |
| 5-Year Fixed | 4.19%Best | 4.44% | 4.84% |
| 2-Year Tracker | 5.49% | –% | –% |
| Standard Variable Rate (SVR) | 7.99% |
Buy-to-Let Mortgage Rates
Ecology Building Society does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.09% | Cashback available |
| 5-Year Fixed Product Transfer | 4.04% | Cashback available |
About Ecology Building Society
Ecology Building Society is the UK's only fully ethical specialist mortgage lender, providing finance exclusively for environmentally sound and sustainable properties and projects. Their lending criteria focus on properties that improve the built environment - from eco-homes and renovation projects to conversions and derelict property restoration - making them unique in the UK mortgage market.
Ecology is the go-to lender for borrowers financing off-grid homes, self-build projects with green credentials, straw bale houses, natural building materials, and properties with energy efficiency at their core. They do not offer buy-to-let mortgages, keeping their focus on owner-occupiers who share their environmental mission. Interest rates include a C-Change discount for properties achieving high EPC ratings, rewarding sustainability with better pricing.