Self build home loan

A short term, variable interest-only loan that gives you the staged funds to build your dream home.

Self build home loan is currently only available to customers building a home in Northern Ireland.

The information on this webpage is for customers buying a home or already living in Northern Ireland. If you are buying a home or already living in England, find out how we could help you

Find out more

Why choose us?

  • Interest only payments while you complete the build
  • Funds released in stages, meaning you only pay interest on what you've used
  • No early repayment charge and no restriction on overpayments
  • We can lend you as little as £10,000
  • You can repay the loan over 6-18 months

Things you need to know

  • Once you've completed your build you must repay the loan using a mortgage or your own funds
  • Your home is security for your mortgage and you may also need to provide other security
  • We charge a fee for this product
  • Your repayments may go up as well as down
  • Whether we provide credit depends on your circumstances and you must be 18 or over - lending terms and conditions apply

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

Helpful guides for self build customers

Eight stages of building your own home

From comtemplation to completion, here's how it works

Read more

Top questions self build customers ask

From how much can I borrow to how do I apply, find the answers here

Read more

Ask us more or book an appointment

Talk to us about a mortgage…

0800 389 0833
  • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
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    0800 389 0833
    • Main phone opening hoursMon-Fri: 8am-6pm / Sat & Sun: 9am-5pm
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Other important information

  • 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.

Terms and conditions

  • 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.