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.
Talk To The Mortgage Architect
Nothing beats choice, flexibility and experience.
Mortgage Consultation
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Mortgage Application
Next we will complete your application in full and submit it to your chosen mortgage provider.
Mortgage Approval
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
Property Valuation
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter Of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance & Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange Of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing The Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.
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.
