Self build mortgage Ireland
SYS Mortgages, 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.Â
3.45%
Faster response - higher success rate
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
From blueprint to reality:
SYS Mortgages 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
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Customised financing: SYS Mortgages, your self-build mortgage partner
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.Â
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:
- Foundation Stage
- Wall Plate
- Roof, Windows, and Door Fittings
- First/Second Fix
- CompletionÂ
Valuations
Three valuations typically occur:
- Before starting or at the foundation stage
- When the house is sealed
- Upon completion
We can help!
Looking for assistance with a self build mortgage using land as a deposit, planning permission, or something specific?
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