We help Irish self-builders secure a self-build mortgage and support them at every stage until their home is finished.
A short, no-obligation call with a self-build mortgage expert to answer your self-build mortgage questions and explain your next steps.
After you submit, we’ll contact you within 24 hours to arrange a short, no-obligation advice call.
Free service. No client fees. Your details are 100% confidential.
The Mortgage Architect is a nationwide self-build mortgage broker based in Cork, supporting clients across Ireland.
Our team has over 20 years of experience arranging self-build mortgages and has helped fund over 100 completed self-build homes.
How It Works
Have a short, no-obligation call with a self-build mortgage broker to discuss your mortgage options and answer any questions.
We compare self-build mortgage options from multiple lenders and guide you through the options, so you can choose what works best for your build.
Your mortgage funds are released at agreed build stages. We coordinate with the lender, valuer, and solicitor to keep payments moving on time.
We’re with you throughout the process, dealing with the lender and solicitor, supporting stage payments as your build progresses, answering your questions, and taking care of the paperwork.
FAQs
Yes. You need at least 10% of the total build cost. If you currently own or are being gifted the site, the lenders will be able to factor in the cost of the site as part of this deposit requirement.
As a first-time buyer, you can borrow up to 4 times your gross annual income and as a Second Time Buyer can borrow up to 3.5 times income for a self-build Project. For a self-build, lenders can typically allow up to 90% Loan-to-Value (LTV) of the total cost of the build.
With a self-build mortgage, the funds are released in stages as you complete each stage of the build. For example buying the site, laying the foundations etc.
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.
Robert works directly with self-builders across Ireland, guiding clients through each stage of the mortgage process.
A short, no-obligation call with a self-build mortgage expert to answer your self-build mortgage questions and explain your next steps.
After you submit, we’ll contact you within 24 hours to arrange a short, no-obligation advice call.
Free service. No broker fees. Your details are 100% confidential.
