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Self Build Mortgage Ireland

SYS Your Self Build Mortgage Broker

How is a self-build residential mortgage different from a standard mortgage? SYS Mortgage Advisor keeps it simple.

From Mortgage Application to Mortgage Approval. 

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Whether you have a site with full planning permission or are just beginning to save for your deposit – SYS guides the process with strategic planning, when applying for a self-build mortgage in Ireland

Building a house in Ireland

From Blueprint to Reality:
SYS Your Self-Build Mortgage Provider

Self-Build Mortgage Application Checklist:

Self-Build Documentation

  • Cost of Construction Form completed by Architect/Engineer/Surveyor
  • Planning Permission Confirmation
  • House Plans, Specifications, and Site Maps
Insights from the Best Self Build Mortgage Industry Experts

Suggested Blogs on Self Build in Ireland

Financing as Unique as Your Home Design

Customised Financing: SYS, Your Self-Build Mortgage Partner

Simplified Guide to Mortgages for Self-Builders

Loan Restrictions

  • As a First-Time Buyer, borrow up to 4 times your Gross Income or 3.5 times gross for Non-First-Time Buyers
  • The maximum borrowing will depend on the cost of construction

* Remember, these are maximums. The lower amount applies. 

Property Value Calculation for Self-Build

The property value is generally the lower of:

  • The sum of the site purchase cost and build costs
  • The final valuation upon completion

Mortgage Distribution

Funds Released at Build Phases:

  1. Foundation Stage
  2. Wall Plate
  3. Roof, Windows, and Door Fittings
  4. First/Second Fix
  5. Completion 


Three valuations typically occur:

  1. Before starting or at the foundation stage
  2. When the house is sealed
  3. Upon completion

We can help!

Looking for assistance on self build mortgage using land as deposit, planning permission or something specific?

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