We are experts in providing mortgages for unique off-site build projects which are of unusual construction types. Off-site construction (sometimes referred to as Modern Methods of Construction (MMC) or modular) is becoming a more popular choice of build and has many advantages over traditional self-build projects.

We don’t have a ‘tick box’ approach to assessing projects – in many instances, we’ll welcome projects that standard lenders may not accept.

If you’re planning to build an energy-efficient off-site construction property through one of our supported suppliers, we’re here to help.

At Ecology, we’re not put off by the construction type; we’ll support many types of construction techniques. If we can see your build will be energy efficient using sustainable and locally sourced materials through one of our suppliers, we’ll consider lending.

This mortgage is only available where you are purchasing your build through one of our supported suppliers. Please see ‘Our suppliers’ section on our website for further details.

Our mortgages are available throughout the UK (England, Scotland, Wales and Northern Ireland).

Off-site build mortgage

• 6.04% variable interest rate
• 6.3% APR (overall cost for comparison)
• £995 application fee
• 80% maximum loan-to-value
• Energy efficiency is rewarded through our sustainable homes C-Change discounts from 0.50% to 1.50%
• Ability to overpay by up to 10% per annum over the first 2 years, any amount above 10% will incur an early repayment charge
• Borrow up to 80% of the property’s value on a repayment basis, or up to 65% interest-only (or part repayment and part interest-only
• All self-build projects must show they will achieve a minimum SAP rating of 88

Off-site build mortgage (advanced payment)

• 6.54% variable interest rate
• 6.8% APR (overall cost for comparison)
• £995 application fee
• 80% maximum loan-to-value
• Energy efficiency is rewarded through our sustainable homes C-Change discounts from 0.50% to 1.50%
• Ability to overpay by up to 10% per annum over the first 3 years, any amount above 10% will incur an early repayment charge
• Borrow up to 80% of the property’s value on a repayment basis, or up to 65% interest-only (or part repayment and part interest-only)
• All self-build projects must show they will achieve a minimum SAP rating of 88

Heat Pump Cashback

Thinking about undertaking an energy efficient significant renovation project where you are upgrading the heating system to the property?

If you are planning to install an air or ground source heat pump, then you could be eligible for a £500 or £1000 cashback with your new mortgage at Ecology.