Know your budget - Be realistic with your budget and know what you have to spend. Think about including a contingency of 10% of the total cost as we all know surprises can arise once the work gets underway.
Qualifications are key - Get certified professionals on board to design, build and supervise your project so that it meets building regulations. Choose an architect and builder from recommendations. Check out their work.
Government grants - Everyone loves to save a little money so look into grants to see if there are any available for the type of work you’re planning. This could help save you money on installation costs and reduce energy bills over time. The Sustainable Energy Association of Ireland (SEAI) is a good source of information.
Planning permission - Check with your architect to see if you’ll need planning permission. If you do, you’ll need both the full and final planning approval for the ‘grant of permission’ before starting the work and getting a formal loan offer from us. We will need to see the letter you received that lists any conditions to the planning.
The paperwork - If we give you the loan in stages, we will ask you for certain documents for the build so we can release the next payment. Your architect, engineer or building surveyor will help you complete these documents. They are familiar with this process and your EBS Mortgage Advisor will always be on hand to help with your top-up mortgage application.