Building your dream home?

• Not a portable loan.
• The bank only provides mortgages in sterling and will not consider Self Build Home Loan applications where the applicant’s income is in another currency.

• When the build is complete, if you decide not to convert to a Danske Bank residential repayment mortgage you will be required to repay the outstanding capital to us.
• You will have to pay for an independent professional valuation. We will arrange this for you.
• You may have to pay fees such as legal charges, which are not paid through us.
• You must have adequate buildings insurance in place on your property. You do not have to arrange this through us.
• For full details on charges please see our Tariff of Mortgage Charges.
• For further conditions please see our Home Loan General Offer Conditions.

There’s lots to consider when building a home. We have broken down some of the key stages in our guide which might help you start your plan

That depends. We’ll consider how much you earn, your financial history and your existing financial commitments.

Get in touch and we’ll book you in for a meeting with one of our specialists, who will:

• Assess your affordability.
• Discuss the costs, valuations and fees likely to arise from the build.
• Ensure you have all the documentation and building consents required.
• Explain the features and benefits of our Self Build Home Loan.
• Go through the application process and what happens at the end of the build.

If you’re ready to apply and we think we can help we will:

• Arrange for a valuation to be completed to ensure the suitability of the site and your project.
• Arrange a meeting with a mortgage advisor who will complete your application and provide a recommendation based on your individual circumstances.

This means we won’t give you all the money in one go. We’ll release the mortgage funds to you in stages, and you’ll only be charged for how much of the loan you use.

We’ll complete a maximum of 8 releases, and we’ll pay these either to you or your architect depending on how your build is being completed.

You can find our current rate and fee for Self Build loans here.

Your home is probably your single biggest financial commitment, so it makes sense to prepare for the unexpected. It makes good sense therefore to protect your investment – should the unforeseen happen. You should make sure you’re properly insured for the duration of your project. Prices can vary so it’s best to shop around with Insurance Providers for the best deal.

You’ll need to repay your Self Build Home Loan in full. You can do this by taking out a residential mortgage with us or someone else, or you can repay it using your own money.

Our mortgage consultants will be happy to give you advice on the best option for you.