Homemade – your guide to building and renovating your home
To help you build the home you want, we’ve put together this guide to building or renovating your home. The guide takes you through the process, step by step, and tells you some of the key things you need to consider when building or renovating.
It includes some useful pointers from Dermot Bannon, along with:
- information on financing your build
- key documents required by the Bank
- design and planning tips
- an outline of the key regulatory requirements.
Click here to download your copy
We know that every euro counts when it comes to building your dream home. That’s why we’ll give you 2% of your self-build mortgage back as cash and, if you’re a Bank of Ireland customer, you could also qualify for our Cashback PLUS offer. Find out more. (Terms and Conditions apply)
Plus there’s more great benefits when you take out a mortgage with Bank of Ireland
- Twin rate option – part fixed and the remainder variable
- We have a range of Mortgage Flexi-Options including payment holidays, skip months, overpayments that can save you interest, and you can move your repayment date to a date that suits. Find out more.
- We have a team of mobile mortgage managers who will meet you at a time and place of your convenience
- We have over 250 branches nationwide
- You can start your mortgage application online in minutes
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home.