Based in Cork. Serving Clients Nationwide.
We guide you step-by-step, from planning permission to final drawdown, with clear communication and professional advice.
Building your own home? Then a self-build mortgage is the right choice for you. With a self-build mortgage, the money is released in stages. So as you complete the key milestones in building your new home, you can access the funds you need to turn your vision into reality.
A self-build mortgage requires a detailed plan and budget, but don’t worry, we’ll help you every step of the way. Let’s bring your dream home to life.
Why Choose Us
Getting a self-build mortgage doesn’t have to be complicated. Our mortgage planners will explain everything to you in a clear, simple way. We make it easy to start building your dream home. With The Mortgage Architect, you get first-class support and expert advice throughout the build so everything runs smoothly. No paperwork. No banks. No delays.
Speak to a mortgage advisor today to get started.
Frequently Asked Questions
Yes. You need at least 10% of the total build cost.
Yes. If you already own the site, the land’s value can count towards the deposit.
If you’re a first-time buyer, you can borrow up to 4 times your gross annual income for a self-build. If you’re a second-time buyer, you can borrow up to 3.5 times your gross annual income. For a self-build, lenders typically allow up to 90% Loan-to-Value (LTV) of the total cost.
With a self-build mortgage, the money is released in stages. As you complete each stage of the build, for example buying the site or laying the foundations, funds are released into your account.
You typically have 12–18 months from the first drawdown to complete the build and draw down the full loan. However, some lenders may offer extensions if necessary.
With a self-build mortgage, you start repayments as soon as you draw down the first stage of funds, and they increase gradually as you complete your build.
Use our mortgage repayment calculator to estimate your monthly repayments.
Find out how much you could borrow for your mortgage with our mortgage calculator.
