How much does a modular home cost in Ireland?

Modular homes in Ireland from New Chapter Homes start from approximately €45,000 depending on the model and specification. Our Chapter One, Two and Three series offer different sizes and finishes to suit a range of budgets.

Do modular homes in Ireland need planning permission?

Planning requirements depend on the proposed use, size, location and circumstances of the property. A permanent modular home used as a dwelling generally requires planning permission. Certain developments may qualify for an exemption, subject to all applicable conditions. Customers should obtain site-specific advice from their local authority or planning professional.

How long does it take to build a modular home?

Modular homes from New Chapter Homes are typically manufactured within 8–12 weeks (indicative) and installed on site within a few days, depending on groundworks, site preparation, planning, and specification.

Do you supply garden rooms in Kildare?

Yes, New Chapter Homes is based in Naas, Co. Kildare and supplies garden rooms, garden studios and modular buildings across Kildare and nationwide.

Can I finance a modular home in Ireland?

Indicative finance options may be available from €200 per week (subject to status and lender approval) through our finance partners, with deposits from 10% and indicative approval timelines of 48–72 hours. Self-employed applicants are welcome. First-time buyers may also qualify for the Help-to-Buy grant (subject to scheme eligibility). Indicative prices cover the turnkey building, delivery and installation; site-specific works are assessed after the site survey and identified separately in the written quotation.

What is the difference between a modular home and a prefab home in Ireland?

Modular homes and prefab homes are often used interchangeably in Ireland. Both are built in a factory and transported to site. New Chapter modular homes are fully fitted — including kitchen, bathroom, plumbing, and electrical fit-out — and are built to the same building regulations (BCAR, Part L, Part B) as traditional homes, with an A-rated BER certificate.

Are modular homes energy efficient in Ireland?

New Chapter modular homes are designed for A-rated BER performance, with premium insulation, heat pump heating, and airtight construction. Actual BER performance depends on final specification and is confirmed on completion. Actual energy savings depend on usage, specification and the property being compared.

Can I put a modular home in my garden in Ireland?

Planning requirements depend on the proposed use, size, location and circumstances of the property. A permanent modular home used as a dwelling generally requires planning permission. Certain smaller garden structures may qualify for an exemption, subject to all applicable conditions. Customers should obtain site-specific advice from their local authority or planning professional.

How long does it take to install a modular home in Ireland?

A New Chapter modular home is typically manufactured in our factory in approximately 8–12 weeks (indicative), then installed on your site within 1–2 days using a crane. The total timeline from order to handover is typically 10–16 weeks (indicative), depending on site preparation, planning, and specification.

Do Irish banks give mortgages on modular homes?

Modular homes built to building regulations and appropriately certified may be mortgageable, subject to individual lender criteria. We can advise on what lenders typically require and introduce you to finance partners. Indicative finance options may also be available from €200/week (subject to status and lender approval).

Do you build modular homes in Kildare?

Yes. New Chapter Homes is based in Naas, County Kildare, and builds luxury modular homes, sustainable garden pods and affordable housing across all of Kildare — including Naas, Newbridge, Kildare Town, Maynooth, Athy, Leixlip, Celbridge, Kilcock, Kilcullen, Johnstown, Sallins, Clane and everywhere in between. Our display village in Johnstown, Naas is coming soon — register your interest to be notified when it opens.

Do you build modular homes in Dublin?

Yes. New Chapter Homes designs, manufactures and installs luxury modular homes, sustainable garden pods and affordable housing across Dublin city and county — including Rathcoole, Clondalkin, Tallaght, Lucan, Blanchardstown, Swords, Malahide, Howth, Dun Laoghaire, Blackrock, Stillorgan, Dundrum, Rathfarnham, Castleknock, Clontarf and every area in between. A-rated, fully fitted homes from €45,000 (€200/week), installed in 6–10 weeks.

How much does a modular home cost in Kildare or Dublin?

Modular homes in Kildare and Dublin start from €45,000 for our Chapter Three compact home, with our two-bedroom Chapter One from €80,000 and bespoke family homes from €220,000. Indicative prices cover the fully fitted interior, delivery, installation, and certification. Indicative finance options may be available from €200/week (subject to status). Foundations, groundworks, service connections and other site-specific works are assessed after the site survey and identified separately in the written quotation.

Can I get a garden room in Kildare or Dublin without planning permission?

Planning requirements depend on the proposed use, size, location and circumstances of the property. Certain garden rooms and smaller modular units may qualify for an exemption, subject to all applicable conditions. Customers should obtain site-specific advice from their local authority or planning professional. New Chapter Homes can advise on your specific site in Kildare or Dublin — contact us for a free assessment.

Can You Get a Mortgage on a Modular Home in Ireland?

Yes — you can get a mortgage on a modular home in Ireland, provided the home meets certain conditions. The idea that modular homes aren't permanent is outdated. Permanent, certified modular homes with planning permission are accepted by mainstream Irish lenders, and thousands of buyers finance them every year.

This guide explains what lenders look for, which modular homes qualify, and how to make your build finance-ready.

What Lenders Look For

Irish banks assess a modular home mortgage the same way they assess any self-build mortgage. The key requirements are:

Planning permission — a permanent modular home on its own site needs full planning permission.
Certification — the home must be CE-marked and comply with Irish Building Regulations.
A fixed, written contract — lenders want a clear build contract with a fixed price and timeline.
Stage payments — mortgages on modular builds are typically drawn down in stages (deposit, manufacture, delivery, completion).
A permanent foundation — the home must be fixed to a permanent foundation, not sitting on temporary blocks.
BER certificate — a Building Energy Rating is required before drawdown of the final stage.

Which Modular Homes Qualify?

Lenders are comfortable with:

Permanent modular homes on a concrete or ground-screw foundation, with planning permission
CE-marked, Building-Regulations-compliant units from a reputable manufacturer
Turnkey builds with a clear contract and warranty

Lenders are cautious about:

Mobile or temporary units not fixed to a permanent foundation
Units without certification or without Building Regulations compliance
Log-cabin or shed-style structures sold as "homes"
Units on land without planning permission

How the Mortgage Process Works for a Modular Build

Get mortgage approval in principle — based on your income, deposit and the planned build.
Confirm the build contract — a fixed-price, turnkey quote from your modular supplier.
Lender assesses the build — plans, planning permission, certification, contract.
Stage drawdowns — funds released as milestones are reached and certified.
Final drawdown — on completion, once the BER certificate and completion certificates are in place.

Tips to Make Your Modular Build Finance-Ready

Use a reputable, certified manufacturer — lenders know the established names.
Get planning permission early — it's a non-negotiable for a mortgage.
Insist on a fixed-price contract — variable quotes make lenders nervous.
Ask for stage milestones in writing — so the bank can release funds cleanly.
Confirm the warranty — a structural warranty (e.g. Premier Guarantee, HAPM) strengthens your application.

What If You're Adding a Pod or Granny Flat to an Existing Home?

For smaller modular builds — a garden pod or granny flat — you usually won't need a new mortgage. Instead, buyers typically use:

A mortgage top-up (if there's equity in the house)
A personal loan
A green home loan (for energy-efficient builds)
Credit-union lending

Get Help Financing Your Modular Home

At New Chapter Homes, we provide fixed-price, turnkey modular homes with flexible finance and payment plan options. Book a free consultation to talk through financing your modular build.

Can You Get a Mortgage on a Modular Home in Ireland?