Housing Developers Mortgages

Mortgages designed to support small‑scale housing developers who are building or renovating homes for sale, with sustainability and strong energy performance at the heart of every project.

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Any home or property given as security may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it

Why partner with Ecology?

Key features of our mortgages

Borrow up to 65% Gross Development Value / 70% Loan to Cost, subject to eligibility.
Mortgages available on an interest‑only basis during your project.
Terms typically range from 6 months to 2 years
Stage release payments as your project progresses, subject to maximum LTV.
To be repaid from sale of properties.
Suitable for new builds, renovations and conversions being developed for sale.
Flexible lending to eco-friendly and innovative construction, including sustainable materials.

How we support your project

We assess each development individually and work with you to understand your aims, timelines and sustainability goals.
A site visit may be arranged to better understand your project.
Flexible staged lending tailored to your construction or renovation progress.
Support throughout the project to help you meet the energy‑efficiency standards required for lending.
Direct access to our experienced team familiar with non‑standard and sustainable construction approaches.

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View Eligibility, Fees and Charges

Eligibility

Borrowers must be aged 18+. Mortgages only available to UK residents and UK‑registered businesses.
Applicants may be individuals, partnerships or limited companies.
You do not need an existing development track record, but existing businesses will be asked for their last three years’ accounts.
New homes must achieve at least an EPC A rating. Developments aiming for Passivhaus are strongly encouraged.
For renovation or conversion projects, energy‑efficient measures and sustainable materials must be central to the work.
New build warranty required.
All secured loans are subject to valuation.
Quantity surveyor supervision required.

Fees and charges

Non-refundable application fee is payable when you formally apply.
Offer acceptance fee is payable when you accept a formal mortgage offer.
Stage release valuations will be discussed with you as the project progresses.

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Our Mortgages for Housing Developers are not regulated by the Financial Conduct Authority.

People and projects we support

We support developers committed to creating high‑performing homes with strong sustainability and environmental standards.

Projects we support:

New residential developments built for sale.
New builds achieving EPC A or higher.
Renovations and conversions using energy‑efficient measures and sustainable materials.
Developments using eco‑friendly or innovative construction methods.

We do not lend for:

Single high‑value luxury homes for speculative sale.
Properties intended to be sold or used as holiday homes.

Enquire Now

Complete our enquiry form to get started.
Or, if you prefer, call or email us.

01535 650770
[email protected]
Monday to Friday 9am to 5pm, Tuesday 10am to 5pm

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You can find details about repayment types, loan-to-values, and available loan sizes on the relevant product page.

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FAQs

Do we need to provide planning permission for a new build development?

Yes, we require detailed planning permission for an application.

What deposit do we need for my mortgage?

You need a minimum deposit of 30% towards the purchase price or value of the site, whichever is the lower.

Do we still need a deposit if we already own the land and have planning permission?

No, you don’t always need a deposit; we can lend based on the value of your land or property, providing you already own the land and it’s mortgage-free. Also, if you need us to, we can help you repay any outstanding finance on the land.

How long do we have to complete a new build or renovation project?

Subject to planning constraints, we allow a maximum of 2 years for you to complete the project.

Do you offer stage payments?

Yes, although we do not release payments at set construction milestone stages (e.g. foundation, wall plate etc.). We release funds as and when the build progresses and release up to a percentage of the increased value of the property.

Can we have interest-only during a new build or renovation phase?

Yes, our mortgage for housing developers is an interest-only facility. Capital repayments are expected to be made from the proceeds of the sale of mortgaged property when completed in accordance with the terms detailed in your mortgage offer letter.

Does Ecology require a particular build warranty on completion of my project?

A build warranty is not a mandatory lending requirement of our mortgage and we are happy with a Building Regulation Completion Certificate. However, if you wish to take out a build warranty for the completion of the property then this is acceptable to the Society.

Do we need to have been established for a minimum period before you will lend to us?

No, we can consider proposals from applicants undertaking their first development project.

How much will our mortgage cost a month?

As soon as we know that we can help, we’ll provide you with an indicative illustration, showing how much your monthly repayment will be for the amount you want to borrow, over the term you require.