Modular Home Payment Plans Ireland: Understanding Your Options
Understanding payment plans for a modular home in Ireland. Stage-payment schedules, finance routes, and how to plan your project. New Chapter Homes does not provide lending.

Looking for the full picture? Read our modular home finance options.
Payment Plans Built Around Your Project
New Chapter Homes does not provide lending. Project pricing and payment terms are set out in the written quotation. Customers should speak directly with a lender or independent financial adviser about finance.
This guide explains the payment structures and finance routes available for a modular home in Ireland.
Stage-Payment Schedules
Because our homes are largely built off-site, the build is funded against clear milestones — foundation, manufacture, delivery, install, finish. We agree a stage-payment schedule upfront so there are no surprises. This is a payment structure set out in your written quotation, not a finance product.
Finance Routes to Explore
- Traditional mortgage — banks lend on certified modular homes, subject to individual lender criteria. Terms up to 35 years.
- Local Authority Home Loan — government-backed, for first-time buyers who may not qualify for bank lending.
- Home improvement loans — for garden rooms and pods added to an existing home.
- Help-to-Buy — first-time buyers can claim up to €30,000 toward the deposit.
What You Can Plan For
| Model | From | |---|---| | Chapter One | €80,000 | | Chapter Two | €65,000 | | Bespoke | €220,000 | | Garden Room | €35,000 |
How to Get Started
- Get a free quote — contact us with your preferred model and site.
- Review your stage-payment schedule — agreed upfront, no surprises.
- Speak to a lender or financial adviser — explore mortgage and finance options.
- Claim Help-to-Buy (if eligible) — up to €30,000 for first-time buyers.
- Build begins — your home manufactured and installed.
- Pay per your schedule — predictable, milestone-based payments.
Get in touch to start planning your project.
Explore Our Modular Homes
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