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Part-residential Mortgages

Mortgages designed for people who live where they work – supporting sustainable, low‑impact enterprises run from home, and helping you create a space that works for both life and livelihood.

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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 70% loan‑to‑value where a residential property is present.
We consider lending on live/work properties, mixed‑use buildings, or homes being converted into part‑residential spaces.
Your mortgage amount will be based on our overall affordability assessment, based on business profits and personal income.
Suitable for businesses that contribute positively to local communities and the environment.
Mortgage terms and structure tailored to the needs of your project.

How we support your project

We take time to understand both your home and your business – and how the two work together.
We welcome sustainable or community‑serving business models, even where traditional lenders may not.
Our flexible, case‑by‑case underwriting is designed for mixed‑use and unconventional properties.
We support projects involving renovation, conversion or the creation of combined living and working spaces.
Direct access to our experienced team.

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View Eligibility, Fees and Charges

Eligibility

Borrowers must be UK residents aged 18+.
Lending is available where a residential property is part of the security.
The residential element of security must be less than 40% with the business elements being 60% or more.
Where 40% or more of the security is residential our mortgage team may be able to help.
Your business must be sustainable and run from the property, or contribute positively to local communities or the environment.
All secured loans are subject to an independent valuation.
Our lending decisions are based on a full affordability assessment and the merits of your project.

Fees and charges

Application fee – non‑refundable and payable when you formally apply.
Offer acceptance fee – payable when you accept a formal mortgage offer.
Early repayment charge – may apply if you repay all or part of your mortgage within the first two years.
Valuation and any stage‑release requirements will be discussed with you.

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Our Mortgages for Part-Residential borrowers are not regulated by the Financial Conduct Authority.

People and projects we support

We support people blending sustainable living with meaningful work – projects that strengthen local economies and support lower‑impact ways of life.

Projects we lend on:

Homes that incorporate space for a sustainable or community‑focused business
Renovations and conversions to create live/work environments
Mixed‑use buildings where residential use is integrated with ethical or environmental enterprise
Small local businesses run from the borrower’s home (e.g. craft, wellbeing, sustainability services)

We do not lend for:

Projects without a residential element (as per product definition)
Properties used for holiday letting
Businesses that do not meet our sustainability or community‑benefit criteria

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 (except Tuesdays when we open at 10am)

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Fill out this form and one of our team will get back to you as soon as possible.
You can find details about repayment types, loan-to-values, and available loan sizes on the relevant product page.

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Organisation Name*

Date Established*

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How much would you like to borrow?*

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FAQs

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

Yes, we need detailed planning permission prior to making an application.

What information do we need to progress a mortgage application?

You’ll need to have a specific project in mind which needs to be supported by detailed plans, including a breakdown of material and labour costs and an indication of the energy standard you are building or renovating to. We will also ask for recent financial accounts and bank statements where appropriate, along with financial projections to show how your project will service your mortgage repayments and other ongoing financial commitments.

What deposit do we need for my mortgage?

You need a minimum deposit of 30% of the purchase price or value of the property(ies) being mortgaged, 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 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

How long do we have to complete the build or renovation?

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

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 the build or renovation phase?

Yes, we can offer an interest-only period during the construction or renovation phase subject to an acceptable repayment vehicle.

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?

Yes, we need to see the last three years’ accounts for your business, or the business you are purchasing.