Self Build Mortgage

Lady browsing on laptop

Big plans to build?

We’re with you all the way with
our Self Build Mortgage

Ulster Bank mortgages are available for over 18s.

How to apply

Your home may be repossessed if you do not keep up repayments on your mortgage.

Help for what matters A mortgage designed for Self Builders

Designing and building your own home sounds like a dream come true for many people.

At Ulster Bank, we know it also takes time, dedication and a special type of mortgage.

That’s why we’ve designed our mortgage to help self builders realise their dream plans.

How does it work?

We have a choice of fixed and variable mortgage options

Flexible repayment options

Up to 80% LTV available for combined value of your site and build, however we can't lend for your site purchase

Up to four flexible stage payments so finance is there when you need, your first drawdown must be within 6 months

Repayments based on the amount you’ve drawn down 

Maximum term is 35 years for loans less than £500,000 & 30 years for loans over £500,000

We offer mortgages for timber framed homes

Our mortgage advisers available to meet at a time and place that suits you

Your self build property must be in Northern Ireland

Our Self Build mortgage handy checklist


Icon expand You’ll need the following documents and information

 Identification (e.g. passport) and current proof of address (e.g. bank statement)

 Income and expenditure details (e.g. 3 months payslips and bank statements)

 House plans and specifications

 Fixed price contract with breakdown of costs if employing a builder to manage your build

 Confirmation as to how the site was acquired by the customer. If gifted, Letter of Waiver required

 Details of any current borrowing on the site

 Details of building works carried out to date

 Estimated completion date

Confirm type of certificate, Architects Certificate or NHBC Certificate

 Details of estimated Building Costs, if Fixed Price Contract, copy of contract must be provided

Verbal confirmation from the customer planning permission and full building control approval have been obtained


Your Solicitor may also require:

 Grant of Planning Permission

 Land Registry Folio map indicating the site


Icon expand If you are managing the build yourself, you will also need to provide these

 A letter from an architect/engineer detailing build costs

 Confirmation from an architect or chartered building surveyor that they will supervise the construction

How do I apply for a Self Build mortgage?

If you are interested in our Self Build Mortgage our mortgage advisers are here to make the process easy.

Choose your preferred way to apply and get started today.

How to Apply
Getting started is easy Tools and calculators

Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Also see you much you could save if you make an overpayment.

The Money Advice Service's monthly budget calculator can help you see how much you could trim your spending and start saving for your new home.

This link is to a non Ulster Bank website. Ulster Bank is not liable for the accuracy of the information provided on this website.

Helpful guides

Family on sofa Buying a home

Our step-by-step guide to help you buy your new home.

Couple in branch with mortgage adviser Application process

Our step-by-step guide to the mortgage application

Mother & daughter working at desk Common questions

Answers to questions we are asked most often about mortgages.

Row of terrace houses Jargon buster

A list of key terms and phrases we'd like to help you understand.



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