Considering Building Your Future?

Building your home is an incredibly exciting journey, and we  want to make sure we keep it feeling that way.

For the support you need, choose Mortgage ABC.

Your Journey Starts Here

Self-Build Mortgages With Mortgage ABC

Building your own home or renovating an existing property is exciting—but it can also feel overwhelming. At MortgageABC, we’re here to guide you every step of the way, helping you make informed decisions and avoid costly pitfalls.

Whether it’s your first home, your dream home, or simply a renovation to suit your lifestyle, having the right mortgage support makes all the difference. With our expertise, you can focus on your project while we take care of the financial side.

What’s Involved with a Self-Build Mortgage?

The team at Mortgage ABC will work with you and your team of builders, architects, engineers or agents to see your dreams come true.

Unlike buying an existing property, building or renovating will mean that your financial institution will require a different set of documentation and supporting material to approve your loan.

That’s where we will be on hand to ensure the right documentation is prepared the right way, saving you time, money and hassle in the process.

What information will I need to provide the bank?

If you are building, on top of the normal financial information required to support your loan application you will also need;

  • OSI map (Ordinance Survey Ireland)

  • Plans & Drawings

  • Project costings completed by your engineer/architect

  • Progress payment schedule

  • Final Grant of Planning permission

  • Building insurance: cover during course of construction

What if I am just renovating my home?

Renovating can be a challenge at the best of times, having to get quotes or being worried about running over budget. Some banking institutions may require different information depending on how complex your renovations are;

  • Project Costings completed by your engineer/architect

  • Planning permission – if required

  • Total on completion valuation & final valuation was the project is completed

Your FAQ’S: Answered

We are frequently attending events such as SelfBuild Extend & Renovate Live and have the pleasure of meeting met so many prospective buyers and builders with questions on self-building and mortgages.

So, we went ahead and collated the most common and frequently asked questions we received, in case any of these are questions you may have too!

Take a look at some of the main FAQs below.

Have more questions? Email us at [email protected]

The Cost of Building often varies between the lenders in the market.

However, you can expect current Cost of Build figures to range between €1,600 and €1,900 per square metre.

Yes, a gifted site can be used as your deposit for a self-build mortgage.

Lenders accept the equity in your site as part of the total project value, often allowing you to borrow up to 100% of the build costs.

Yes, you can, provided you have full planning permission in place.

The mortgage is typically released in stage payments, with the first stage used to fund the site purchase.

Most lenders will allow you to borrow up to 90% of the total project cost, including both site purchase & construction costs.

Yes, you can, provided you are a first-time buyer building your primary home.

The scheme offers a tax rebate of up to €30,000 (or 10% of the build/value, capped at €500,000) to help with the deposit, with applications open until 31 December 2029.

Yes, you can use the First Home Scheme (FHS) for a self-build mortgage.

The scheme is designed to help first-time buyers and eligible individuals bridge the gap between their:

  • Maximum Mortgage
  • Deposit
  • Cost of Building

Let’s Make Your Project a Reality

We know self‑build and renovation projects have unique challenges — from budgeting to documentation and staged drawdowns. With MortgageABC on your side, you get:

  • Clarification on what banks require for self‑build and renovation finance

  • Help preparing the right documentation to improve your approval odds

  • Clear direction on timing, costs and affordability

  • Support from application through completion

Don’t let paperwork or financial uncertainty hold you back. With MortgageABC by your side, building or renovating your home becomes manageable and stress-free.

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Warning

If you do not keep up your repayments you may lose your home.

Warning

The Cost of your monthly repayments may increase

Warning

This new loan may take longer to payoff than your previous loans. This means you may pay more than if you paid over a shorter term

Warning

Purchasing this product may negatively impact on your ability to fund future needs