Self Build Mortgage

A self build home, financed by a self build mortgage has a lower loan to value percentage. We explain the stage payment process in detail so you can plan your build best.

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3 important facts for every self build mortgage

Your first step toward a mortgage? Knowing these three essentials is a must to start your journey.

100% Mortgage

You can borrow up to 100% of the value of the property you want to build if you already own your site.

Stage Payments

Unlike a normal mortgage, a self-build mortgage is paid in stages by the lender at different points of the build process.

Grant Assistance

As of 2025 there are a number of grants and green interest rates available for self build projects in Ireland.

Application Process

Fast track your self build mortgage application

Get expert guidance every step of the way with a dedicated broker, making your mortgage approval process faster and stress-free.

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"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"

Jeff McCabe
Broker Benefits

Compare all Irish lenders for the best repayment terms

Working with multiple Irish lenders to find the most competitive rates and flexible repayment options, tailored to suit your needs.

With

Top Mortgages
  • Wide Range of Products
    Home loans & mortgage protection insurance
  • Personalized Service
    Unbiased financial advice tailored to your personal circumstances
  • Customized Solutions
    Self-employed, Expats & special cases welcome
  • Access to Exclusive Deals
    Mortgage rates & options not available direct from retail lenders
  • Expert Market Knowledge
    Every mortgage rate from all Irish lenders
vs

Traditional Mortgage Lender

  • Limited product range
  • Generic financial advice
  • Very limited loan solutions
  • Inflexible appointment times
  • Default bias to their products only
  • Frequent 'Computer-Sayes-No' attitude
  • No guarantee your getting the lowest rate
  • Single insurance option for mortgage protection
  • Averse to handling previous credit issues
  • Restrictive equity release & debt consolidation
Talk to a Mortgage Specialist

"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."

Feena Flanagan
Frequently Asked Questions

Questions about self build mortgages you didn't think to ask!

Truth is, you might have alot more questions and our experts can answer them all.

You have up to 18 months to draw down your self-build mortgage

When you’ve secured your site and provided your salary information you can get approval in principle which will give you an accurate number on how much you can borrow. This is not a formal contract but is valid for 12 months to allow you start building plans, costings and planning permission.

Yes, you can either use your site as your deposit if you own it, you will need 10% of the mortgage as a first time buyer

These payments are spread over up to 18 months based on the completition of each stage of the build by your builder. By releasing your mortgage funds in stages according to your build you only pay interest on what you've actually drawn down, not on the whole amount.

Its never too soon to start talking about your mortgage

Save thousands on your home loan - just like thousands of other Irish homeowners since 2017

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