We are experts in providing mortgages for unique self-build projects and we don’t have a ‘tick box’ approach to assessing these types of plans – in many instances, we’ll welcome builds that standard lenders may not accept.

Our self-build mortgages are available to a wide range of self-builders.  Whether it’s a competent DIY approach, custom build, self-managed right through to fully managed by a main contractor, we will consider lending.

At Ecology, we’re not put off by the construction type; we’ll support many types of construction techniques including those using non-standard materials and modern methods of construction. If we can see your self-build will be energy efficient using sustainable and where possible, locally sourced materials, we’ll consider lending.

We’ll lend on:

• Timber frame and timber clad
• Non-traditional such as straw bale, rammed earth, cob
• Modern Methods of construction built off-site
• Structurally insulated panels
• Insulated concrete forms
• Builds that contain renewables such as photovoltaics, solar thermal, heat pumps, etc.

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

Key product details

Self-build mortgage

• 5.99% variable interest rate 
• 6.2% APRC (overall cost for comparison)
• £799 application fee
• 80% maximum loan-to-value
• Energy-efficient self-build rewarded through our 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.