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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.
6 mins to complete, no obligation
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.
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.
Complete our online fact check
1Fill out a quick online form with basic details, including the type of mortgage you need, how much you want to borrow, and your income figures.
Get assigned a personal broker
2We’ll assign you a dedicated broker who will be your main contact throughout the process, answering any questions and helping you choose the best home loan option.
Review the documents needed
3We’ll arrange a call at your convenience to go over the documents you’ll need to provide, such as payslips, bank statements, and ID.
We submit your application
4Once your paperwork is reviewed and you’re happy with the mortgage package, we’ll submit your application to the lender and keep you updated on its progress.
Draw down your mortgage
5When your mortgage is approved, we’ll guide you through the final steps of drawing down the funds to purchase your new home.
"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"

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
- Wide Range of ProductsHome loans & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsMortgage rates & options not available direct from retail lenders
- Expert Market KnowledgeEvery mortgage rate from all Irish lenders
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
"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."
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.
How long do you have to draw down a self-build mortgage?
You have up to 18 months to draw down your self-build mortgage
What is approval in principle for self build?
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.
Do you need a deposit for self-build?
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
How do mortgage stage payments work?
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.