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Build/Green/Home Improvement Loans

It can be difficult trying to raise finance for when you are looking to build or retrofit a property. We have scoured the internet to see what we can find. Here are a few links for the loan options currently available from Irish institutions. Please let us know of any we missed or details that are incorrect – media@nzeb-opendoors.ie:

AIB Bank

AIB offers Home Improvement loans for amounts from €1,000 up to €50,000, with terms from 1 to 10 years with no penalties for unscheduled repayments. 

1. Improving the energy rating of a House e.g. Replacement Heating System,
Windows and Doors, Attic/roof insulation, etc.
2. Switching to Renewable Energy Sources e.g. Solar panels, Woodchip burners, Biomass fuel, etc.
3. Any project undertaken that qualifies for SEI grant schemes or incentives.

 

Bank of Ireland

Following the announcement of the Government Home
Renovation Tax Incentive Scheme in the Budget 2014,
BOI have launched a new €75m home improvement fund.
You can apply for a personal loan to cover the cost of your renovation work,
or a mortgage ‘top-up’ (equity release) More details from BOI

 

Credit Unions

No matter what your home improvement loan is for – from a total revamp, to just a little redecorating, or THE ‘I’m going green’ ECO LOAN, your credit union will ensure everything is clear, transparent and straightforward. So you can get on with creative and wonderful improvement ideas for your home, your way.

The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. In practice, most credit unions have interest rates which are significantly lower than that. Please check with your local credit union for further details. The maximum loan period can vary, depending on each credit union’s own policy.  More details from Credit Unions

e.g  St. Patricks Credit Union – The Green Loan, with a reduced interest rate of just 5.5% p.a. fixed for the duration of the loan, is available to all members of the credit union who are undertaking alterations to their homes in order to improve their energy efficiency e.g. insulating the attic, cavity wall insulation, dry-lining, draught-proofing. More details about SPCU

 

EBS – Self-Build

They have a special place in their hearts for self-builders. They offer the much-needed support available to those building their own homes, and they say they’re one of the only mortgage providers who have a specialised mortgage product for people building their own home.

  • Self-builders can draw down their cash in up to 6 stages, as your home is being built – allowing you to borrow only what you need across the period of the build (which is handy).
  • Cash- flow is king when building your own home, so you can choose interest only repayments for the first 12 months or until receipt of the final valuation, whichever comes first.

More details about ESB Self-build

 

KBC – Home Improvement

Get the Guaranteed lowest rate on the market for Home Improvement Loans over €10,000 at 6.30% APR^ with a KBC Current Account. Available until September 30th. Borrow between €5,000 and €50,000 over 1-5 years.
More details from KBC

 

Permanent TSB 

Online approval in minutes for loans from €1,500 up to €25,000. Competitive rates they say.
Flexibility to repay your loan with terms of up to 10 years
Home improvement loan from interest rate of 8.2% APR ! 
More details from PTSB

 

Ulster Bank

Ulster Bank is offering Home Improvement Loans from 8.5% APR
(Annual Percentage Rate) Spread the cost over 1-10 years. Fixed monthly repayments. No upfront fees or charges.
More details from Ulster Bank or Get A Quote

 

News

  • Our 2016 Brochure

  • Together We Stand

    The fifth annual NZEB Open Doors will take place during a weekend in Spring 2018, where owners of low energy buildings will open their doors to the public nationwide. The event will enable the public to visit examples of Nearly Zero Energy Buildings (NZEB) in order to inspire them to aim for similar standards for their own building or renovation projects.

  • Get Involved