Building a house without a mortgage in Ireland: cash first, mortgage after
Self-building with savings and no lender in Ireland? What changes: insurance, certification, Help to Buy, and borrowing against the finished home afterwards.
Finance
Self-build mortgages, stage payments, drawdowns and budgeting.
Buying an unfinished house in Ireland
Check funding, planning, certification and insurance before buying a part-built house in Ireland, with a worked cost-to-finish comparison.
Financing a site for a self-build in Ireland
Plan a site purchase alongside your build mortgage, upfront tax and fees, with a worked cash budget and questions to settle before committing.
Funding a gap in your self-build budget
Separate a drawdown delay from a cost overrun, calculate the money needed to finish, and compare options before taking on extra debt.
Getting a self-build mortgage in Ireland
What an Irish self-build mortgage needs: planning permission first, a 10% deposit, borrowing limits, application documents and the interest-only option.
Help to Buy for self-builders in Ireland
Check your Help to Buy eligibility, refund limits and first-drawdown dates before counting the money in your Irish self-build budget.
How to compare self-build mortgages in Ireland
Compare self-build mortgage offers on stage payments, available cash, repayments and total cost, with a worked example and questions for your lender.
Mortgage interest during a self-build
Budget for interest while building in Ireland, understand interest-only repayments, and test the payment jump and cost of delays with worked examples.
Self-build mortgage stage payments explained
Plan self-build mortgage stage payments around your bills, certification and deadlines, with a four-stage example and a worked cash-flow budget.
VAT on a self-build in Ireland: rates and what to budget
Irish self-build VAT: house construction, separately bought materials, the two-thirds rule, heat pumps, qualifying solar contracts and VAT recovery.