A different way to build. A clear way to finance it.
Thinking about a modular home? Eleanora helps you understand your mortgage options before you commit to a manufacturer or a build.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Modular homes. Mortgage advice that understands the difference.
Financing a modular property can differ from a standard mortgage. Your manufacturer, construction method and payment schedule can all affect the options available. We help you work through the details and find out what may be possible.
One of the first mortgage advisers in Northern Ireland to offer access to finance for modular homes.
Before you choose your build, let’s talk.
Bring us your ideas, even if you are still exploring. We will help you understand which details matter for your mortgage.
Your manufacturer and construction
The building system, specification and supporting documents.
Your site and permissions
Your plot, planning position and intended residential use.
Your budget and payment stages
The home, delivery, groundworks, connections and when payments fall due.
Why consider a modular home?
A different build timetable
Factory work and site preparation can run alongside each other.
Designed around your needs
Layouts and finishes vary by manufacturer and specification.
Energy performance by design
Insulation, airtightness and heating are worth comparing.
Costs, timescales and performance depend on the home and the site.
Talking modular mortgages at Balmoral.
At the Balmoral Show, Eleanora joined Luxury Garden Studios to talk with visitors about modular homes and their finance questions.
We start by listening to your plans. Then we explain the mortgage options and the information needed, in plain language.
Ask Eleanora about modular mortgages
From your first idea to your mortgage application.
Talk through your plans
Speak by phone, video call or at our Rathfriland office.
Check the options
We review the build details and relevant lender criteria.
Move forward together
We help with your application, paperwork and questions along the way.
Your modular mortgage questions, answered.
Can I get a mortgage for a modular home?
Yes, mortgage options are available for modular homes that meet lenders’ requirements. Eleanora will talk through your plans, explain your options and check what’s needed for your chosen home and manufacturer. As with any mortgage, approval depends on the property and your individual financial circumstances.
Do I need to choose a manufacturer first?
You can speak to us while you are still exploring. If you already have a manufacturer or home design in mind, bring the details so we can understand the build and the information needed.
What should I include in my budget?
Look beyond the price of the home itself. Ask your supplier what is included and allow for delivery, groundworks, site connections and professional fees where applicable. We can discuss how your budget and payment schedule relate to your finance plans.
How much deposit will I need?
There is no single deposit figure for every modular project. It depends on your circumstances, the property and the lender’s criteria. We will explain the requirements relevant to the options available to you.
When should I speak to you?
Early in the planning stage, before committing to a manufacturer or paying a deposit. An initial conversation helps identify which details need checking as you develop your plans.
Planning a modular home? Start with a conversation.
Call 028 4176 9769, or arrange a chat by phone, video call or at our office.