Financing Your Modular Home or Extension in Galway
Everything you need to know about stage-payment mortgages with Irish banks, SEAI energy grants, and funding your 45m² exempted extension or garden pod.
Bank Mortgage Approved
Pillar banks (AIB, Bank of Ireland, PTSB) approve mortgages up to 90% LTV for certified steel and timber frame modular homes fitted to permanent concrete or ground screw foundations.
Certified Stage Drawdowns
Funds drawdown in certified stages (Site prep, Factory production, Delivery/Erection, Turnkey handover)—fully certified at each milestone by our chartered structural engineers.
SEAI Energy Grants
Avail of substantial SEAI grants for heat pump integration (up to €12,500) and solar PV systems (up to €1,800) to maximize your A1 BER energy performance.
How Stage-Payment Mortgages Work for Modular Homes
Unlike standard house purchases, modular builds utilize a stage-payment drawdown schedule similar to traditional self-builds. Because over 70% of the build is finished off-site, drawdowns are aligned with factory milestones:
Available SEAI Energy Grants (2026 Criteria)
| Grant Type | Equipment / Upgrade | Max Grant Value |
|---|---|---|
| Heat Pump Systems | Air-to-Water / Ground-Source Heat Pump Integration | Up to €12,500 |
| Solar PV Panels | Solar Photovoltaic Panel Installation | Up to €1,800 |
| Airtightness & Ventilation | Mechanical Heat Recovery Ventilation (MHRV) | Up to €1,500 |
*Note: Grants apply to existing residential retrofits/extensions and new builds meeting SEAI technical requirements. Our Galway engineering team assists with all compliance filings.