Finance Your Dream Self-Build Home with Ease

From your first sketch to your final drawdown, we’ll help you secure a self-build mortgage to create your dream home.

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WHAT YOU NEED TO KNOW BEFORE YOU BUILD

Here’s what to expect along the way

Self-Build Mortgages Stages

Unlike a standard mortgage, your funds are released in chunks – usually over 4 stages. Each drawdown matches a stage of your build, from foundation to completion. From stage one, you’ll benefit from green mortgage rates.

Upfront Costs

You typically need to fund the first stage yourself (site purchase or groundwork) before the bank releases funds. Be prepared with savings or a site you already own.

Build Cost Estimate

Lenders want a clear and realistic breakdown of your total build cost – from materials and labour to finishes. This determines how much you can borrow and how funds are released. Your engineer or architect can help you with this.

Projected Completed Value

You’ll be approved for a loan based on the projected value of the finished home – not just what it costs to build. This can help maximise the borrowing power of first-time builders.

Help to Buy Scheme

Claim a maximum of €30,000 based on the value in repair i.e. the value of the finished property.

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Frequently Asked Questions

What is the minimum deposit for a self-build mortgage in Ireland?

Most lenders require a minimum deposit of 10% of the total build cost. For example, if your build is estimated to cost €250,000, you’d need at least €25,000 as a deposit.

As a first-time buyer, if you have a site that you own or were gifted, this can be your 10% deposit. In that case, the lender may fund 100% of the build cost.

Otherwise, you may need to fund the first stage of construction upfront (before the first drawdown is released), so having access to extra savings is helpful.

What grants are available for a self-build?

Are there green rates available for self-builds?

How does a self-build mortgage work in Ireland?

Here’s how it typically works:

You apply for a mortgage based on the build cost and projected value of the completed home.
Funds are released in stages (called drawdowns) after key build milestones.
You must provide costings, planning permission, and valuations.
Your engineer or architect signs off on each stage of the build, which allows the lender to release more funds.

We’ll coordinate with your architect, valuer, and solicitor to make this smooth and efficient.

How long does a self-build take in Ireland?

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Whether you’re building from scratch, moving home, switching lenders, or investing, we’ve got you covered.

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Step onto the property ladder

First Time Buyer

Expert support and access to exclusive schemes like Help to Buy and the First Home Scheme. We’ll guide you through every step — from approval to moving in.