Self-Build Mortgages

Self-build mortgages are different to traditional mortgages. Instead of receiving one lump sum, money is released in stages – in arrears or advance – as the build progresses. This creates the cash flow needed to bring your Passivhaus to life. 

Self-build mortgages finance a home that's yet to be built and this uncertainty makes lenders naturally more cautious. Not all lenders offer self-build mortgages. You'll have a smaller pool to choose from compared to traditional options. The good news is Coldwells Build is one of the few builders in the UK chosen to partner with Ecology Building Society on their Off-site Build Mortgage. 

Ecology Building Society are a specialist mortgage provider for projects that have a positive environmental or social impact. Their Off-site Build Mortgage is designed to fund green homes built in controlled factory conditions. This approach delivers a faster, safer, cleaner and more sustainable building process, reducing construction waste, costs and environmental impact. It’s the perfect fit for clients wanting a prefabricated, energy-efficient Coldwells Build Passivhaus.

On completion of your Coldwells Build Passivhaus, you’ll be rewarded with Ecology’s top discount (1.5%) off its standard variable rate, compared to a 0.75% discount for an EPC Band A property. The discount is applied to the lifetime of your mortgage.

As soon as possible. To get started, look at the estimated prices for each Coldwells Build Passivhaus design. Choose your favourite, then, head over to the Ecology Building Society's website. They have a handy mortgage calculator where you can enter your income and outgoings and get an idea of how much you’re able to borrow.