Property West Cork Summer 2026

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We set up our business in 2002 as we have a strong passion for using natural and sustainable materials for building and landscaping projects, both domestic and commercial.

Our knowledge of construction and the environment plus our focus on great customer service has helped us create a family run business that’s proud of its large production facility, distribution department and vast display area based in Ovens, Co.Cork. We look forward to serving you soon.

How we deliver superior products and service every time

• Facilities to quarry and process our own natural Irish Stone

• We import a wide range of premium natural stone from trusted global sources, offering you an exceptional palette of colours and texture

• Every aspect of our operation is focused on delivering superior quality

• We can cut stone to exact specifications, ensuring a perfect fit for your project

• Visit us to view an extensive selection of natural stone in a variety of styles and settings

• Our experienced team is on hand to help you select the ideal material and finish for your project

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Got a ‘second’?

Expert advice on buying and maintaining a second home (and garden) in West Cork

BE honest with yourself about yourself. That’s the advice from Maeve McCarthy of Charles McCarthy estate agents, Skibbereen. ‘It’s very easy to fall for a farmhouse on the Beara Peninsula on a beautiful summer’s day, but what you need to ask yourself is what does this house feel like in November, or what does it feel like being an hour and a half from the airport, and a good drive from the nearest shop? The buyer that ends up the happiest is the one who buys for the life they actually live, not just the dream they had on one summer’s day,’ said Maeve.

Colm Cleary of James Lyons O’Keeffe agrees: ‘A sea view is fantastic, but the reality is that a ‘lock up and leave’ property in an estate may work best for you. Also, grounds and gardens look lovely but ask yourself if you’re prepared to cut grass and hedges every time you come down, or organise and pay for someone else to do it? It’s about going in to a purchase with your eyes wide open and getting the right fit for you.’

Buy for the place, not the house

West Cork is full of different types of villages and towns that attract different people and have different vibes, but Maeve advises to buy in the area you’ve got ties to.

‘If you have connections to Goleen, there is no point buying in Baltimore. That’s what makes a holiday home worthwhile – being in a place you’re connected to.’ Colm agrees: ‘It’s all very well to fall for a particular property, but how well you know the area should be the real determining factor before purchasing.’

Buy for now – but with an eye to the future

If there are kids in the family, being near to swimming spots and sports facilities will be important, says Colm, whereas retired couples may prefer to be within walking distance of restaurants and bars. Other questions to futureproof the house are: is there scope for a downstairs bedroom, is the garden manageable, will there be a need for an extension and is there room for it?

Connectivity

Access and connectivity are two things Maeve gets asked the most about. ‘How far is Cork Airport and is there good broadband are among the top questions, as lots of people intend to work when they come, rather than taking annual leave to visit their holiday home,’ she said.

Get the most from your second home

‘Frame it as a second home, not a holiday home,’ says Maeve. ‘That means developing connections in the community, getting involved, putting down roots so that you feel like you’re part of the West Cork community and not just here for an odd weekend and two weeks in the summer. Buy into the area and the experience is so much better.’ Colm agrees: ‘There’s also an option to rent out the property

when it’s not in use which will provide an income stream. There’s a good demand for holiday rentals especially for properties in towns and villages.”

Protecting your second home

Sentinel Security Systems, Bandon give their top advice to keep your holiday home safe, all-year round

Doors and Windows: Install UPVC units with multi-point locking systems, use window locks, and add bolts or chains to non-conforming doors.

Boundaries: Maintain electronic gates, fences, and hedges to eliminate gaps, and trim trees or bushes that could provide access to upper floors.

Outbuildings: Lock tools and ladders away inside sheds protected by sensors or CCTV to prevent them from being used to break into the main house.

Security Systems: Install a highly visible monitored alarm system, CCTV, or a Ring doorbell that links directly to a smartphone.

Lighting: Use motion-activated external lights around the property and set indoor lights on smart timers to make the home look occupied.

Social Media: Avoid posting holiday photos or travel updates online to prevent advertising an empty property.

• Insurance: Check policy vacancy limits to keep insurance valid.

• See sentinelsecurity.ie for more

Clockwise from left: Secure your sheds and outbuildings to avoid theft of contents, or burglars using your own tools to break into the main house. Broadband connectivity has improved considerably throughout West Cork but it’s important to establish if it’s up to your requirements before buying a second home. Installing security cameras and lighting is a great deterrant to trespassers and thieves if your house is left unoccupied for long periods.

Minimise garden maintenance

Sean Browne, horticulture manager at Bandon Coop gives some advice on getting the best of out of the garden at your second home in West Cork. If you love gardening, and you plan on spending a lot of time at your second home, then the sky is the limit, but for everyone else, maintaining a garden there comes down to practicality and identifying what’s going to need minimum maintenance while still thriving:

• A brilliant choice for coastal gardens is Lomandra White Sands, otherwise known as ‘the unkillable grass.’ It’s an easy and fast-growing plant that requires little maintenance and crucially is drought resistant. You can’t go wrong with this and it works just as well in pots as it does in beds.

• Other notable perennials for coastal gardens are Phlomis Russeliana (Turkish Sage), which has a long season of interest, retaining seed heads throughout winter. Achillea or yarrow have numerous cultivars which are long-flowering, great for biodiversity and suitable for coastal conditions. Both sit well next to flowing grasses, to help introduce some movement.

• Erigeron karvinskianus is a very popular, longflowering perennial that seeds freely and can pop up in cracks on walls, it requires minimal effort and tolerates salty, coastal air.

• Stipa ponytails are also great. They need little maintenance except for a trim every now and then and create great texture. These look fantastic in coastal areas as they’ll move elegantly with the breeze.

• Other hardy and still interesting specimens include

Salvias – tough, easy to grow and long flowering; and bedding geraniums which provide great ground cover.

• Think in terms of mass planting. Whatever you chose, group them together, and intersperse with shots of colour. Accentuate with purple or white Agapanthus which are also drought resistant and you’ll create high impact with little effort.

• Avoid anything fragile that requires minding and watering such as petunias and lupins which won’t work well in coastal areas.

• Mulching flower beds will cut down on weeding considerably.

• Automated irrigation is worth considering. Sprinklers will help during prolonged hot spells, and porous pipes are a super option, particularly for hedging.

• You don’t have to rely on planting to create interest – ornamental statues, or a stone feature, in the right place, can create a ‘wow’ factor.

• Whitebeam is a low-maintenance tree variety that can stand exposure and is a good choice for holiday homes. Given the increasing occurrence of extreme weather events, Sean advises regular maintenance of all trees on a property.

• To reduce maintenance further, consider cutting down on lawns in favour of gravel or paving, which will provide areas for outdoor seating and dining. However robotic lawnmowers, which can be accessed remotely will do all your lawn-mowing work for you and Sean recommends the brand Segway which is well suited to the rise and dips of West Cork gardens.

Whitebeam (Sorbus Aria) is a robust, low-maintenace tree that can provide good shelter. Also, it doesn’t get too big. Regular maintenance of all trees on your property is advised however, given the rise in extreme weather events.

Automated irrigation is a worth considering if you have a lot of grass/plants.

Your West Cork Property Experts

Beatrick, Maryborough, Timoleague, P72 CD88

€POA

Rineen, Union Hall, P81 TC60

€975,000

Knockeens, Ahakista, P75 HR62

€550,000

Na Ceithre Radharc, Corthna, Schull, P81 F582

€625,000

Rathdrought Lodge, Ballinadee, Bandon, P72 XV22

€450,000

Dunnycove, Clonakilty, P85 VW92

€675,000

21 Sandycove, Owenahincha, Rosscarbery, P85 DC79

€295,000

Knockeens, Dunmanus, Goleen, P81 EY00 FOR SALE

€375,000

Newtown, Rosscarbery, P85K379

€425,000

Lazy Acre, Shandrum Beg, Bantry, P75 TX84

€395,000

Sunnyrock, Rosscarbery, P85 PX26

€995,000

Burgatia, Rosscarbery, P85 F820 FOR SALE

€725,000

Knockarudane, Glandore, P81 RK54

€575,000

11 Cois Cuain, Courtmachserry, P72 VR80 FOR SALE

€465,000

6 Seaview Terrace, Castletownbere, P75 AY63

SALE

Dirk Cove, Dundeady, Clonakilty, P85 P210

€595,000

5 Tragumna Holiday Homes, Skibbereen, P81 WF21

€350,000

Derryfunshion Cottage, Durrus, P75 CX76

€350,000

2 Grove Mews, Colla Road, Schull, P81 WR53 FOR SALE

€395,000

20 Wolfe Tone Street, Clonakilty, P85 DP80

€245,000

€385,000

Beatrick, Maryborough, Timoleague, P72CD88

Guide price: €975,000

This property’s convenient location is just 2km from Timoleague, 20km from Kinsale and 40km from Cork Airport. Extending to c.394sqm, this detached split-level residence sits proudly on a c.1.5 acre plot. The house is laid out with an upside-down arrangement and one enters the front door into the large and welcoming entrance hall, complete with hardwood floor and cloakroom storage.

Following through this into the grand dining/living room with its vaulted ceilings, hardwood floor and solid fuel stove the room presents itself as multi-functional with its size and layout.

Onwards to the sunroom with its full triple-bay glazing designed to be opened back to allow the full splendour of the bay into the house. Its southerly aspect allows for light and sunshine all day long. Off the sunroom are the kitchen and balcony/bbq area. The kitchen boasts a conventional and practical layout with a sizable central island along with double aspect views with a night-time backdrop of Timoleague Abbey lit up after dark. Lounge room/play room has enough space for a bedroom conversion should it be required. Next to this are a shower room and separate WC.

The master bedroom is conveniently located on this level and features a full-width picture window overlooking the bay. An ensuite with a roll-top bath and storage cupboard and a large fully-fitted walk-in wardrobe complete the suite.

Finally, completing this level’s accommodation is a fully-fitted utility room/boot room with access to the entrance hall and exterior door to the garden.

The lower level is laid out with 3 double bedrooms (one ensuite), a large storage area, bathroom with sauna, utility and an office/library with direct access onto the magnificent sun deck.

To the side of the house is a double garage with ample storage space and workshop. A tarmacadam driveway wraps around the house with plenty of parking and space. A rolling grassy lawn flows gently from the house downwards towards the water and features gated access on to the adjoining public road, ideal for boat trailers/campervans etc.

The east and west boundaries are well established with fine native trees providing shelter and privacy without blocking the views. Great effort has been given to the design and layout of the gardens with a selection of storage sheds at the bottom alongside the chicken run. On a terrace above these is the fruit and berry plantation, vegetable garden and the polytunnel.

Selling agent: Hodnett Forde Property Services, Clonakilty www.hodnettforde.com, info@hodnettforde.com, +353(0)23 883 3367

Knockarudane, Glandore, P81 RK54

Guide price: €575,000

Spectacularly positioned 4 bedroom residence with panoramic sea views from the Galley Head Lighthouse to The Stags Islands. This home offers one of the most scenic locations in the Glandore area, enjoying breathtaking sea views as far as the eye can see, all while being only 2.5km from Glandore village and 5km from Rosscarbery town. The residence extends to approximately 2,217 sq.ft. (c. 205 sq.m) and comprises of entrance hall, kitchen/dining area, living room, office, utility, w/c, bathroom, and 2 bedrooms both featuring en-suites on the ground floor. The first floor comprises of 2 bedrooms with an en-suite each. Internally, the property is bright and airy due in part to the large windows and a wonderful open plan layout allowing this home to take full advantage of it’s south facing aspect. This home is situated upon a c. 0.5 acre site which is laid out with lawn gardens, attractive stone entrance walls to match the front facade and a concrete base already laid for a garage. This home will qualify for the Vacant Property Grant (subject to conditions). Viewing highly recommended.

Selling agent: Hodnett Forde Property Services, Clonakilty www.hodnettforde.com, info@hodnettforde.com, +353(0)23 883 3367

Lawn House, West End, Drimoleague

Guide price: €925,000

Lawn House is a beautifully restored Georgian country residence set on approximately 5.4 acres within the vibrant village of Drimoleague. Extending to approximately 315 sqm (3,390 sq ft), this elegant 4/5-bedroom home combines period character with the comforts of contemporary living.

Comprehensively renovated to an exceptional standard in 2018/2019, the property underwent complete rewiring, replumbing, reroofing and reflooring, and all windows were replaced. The result is a magnificent period home that retains its original charm while offering modern efficiency and comfort. A classic Georgian entrance, complete with terrazzo tiled floor and fanlight, leads into a series of elegant reception rooms, including a drawing room, family sitting room and versatile garden room. The bespoke kitchen and dining area is centred around a quartz-topped island and features a Rangemaster six-ring cooker and Qettle tap, creating an ideal space for everyday family life and entertaining. Also on the ground floor are a guest shower room and spacious utility room. Upstairs are four bright en-suite bedrooms, together with a study or fifth bedroom, dressing room and hot press.

Approached through attractive gated pillars and a sweeping driveway, the grounds provide exceptional privacy while enjoying the convenience of a location within the village. Mature woodland surrounds the lawns and meadows, while the River Ruagagh flows close to the northern boundary, enhancing the peaceful setting. A two-storey storage building and detached garage offer excellent additional space. With excellent local amenities, a strong community spirit and easy access to Bantry, Skibbereen and Cork City, Lawn House presents a rare opportunity to acquire a beautifully restored period home in the heart of West Cork.

Selling agent: Charles McCarthy Estate Agents, Skibbereen • info@charlesmccarthy.com

Toad Hall, Colla, Schull

Guide price: €650,000

Toad Hall is a charming detached residence located in a highly sought-after setting just outside Schull, within a stroll of Colla Pier and the spectacular West Cork coastline. Combining a peaceful location with excellent convenience, the property offers an ideal opportunity as either a permanent home or a coastal retreat. Extending to approximately 149 sqm (1,604 sq ft), the house provides bright, well-proportioned accommodation designed for comfortable everyday living. The ground floor comprises a welcoming porch and entrance hall, an open-plan kitchen, living & dining area, utility room, together with a ground floor bedroom and bathroom, offering added flexibility for a variety of lifestyle needs. Upstairs are two further bedrooms and a shower room, providing ample space for family and visiting guests. Outside, the property is surrounded by mature gardens with an attractive stone terrace, creating an ideal space for outdoor dining and relaxing. Parking is conveniently located to the rear. The location is undoubtedly one of Toad Hall’s greatest attractions. Just moments from Colla Pier and only a short drive from the vibrant harbour village of Schull, the property enjoys easy access to the very best of West Cork. Schull offers an excellent selection of cafés, restaurants, independent shops and everyday amenities, including schools and local services, while retaining its renowned coastal charm. The surrounding area is celebrated for its sailing, swimming, kayaking and scenic coastal walks, with Roaring Water Bay on the doorstep. Combined with a welcoming community and an active calendar of local events, Toad Hall presents a wonderful opportunity to enjoy the relaxed West Cork lifestyle in one of the region’s most desirable coastal locations.

Selling agent: Charles McCarthy Estate Agents, Skibbereen • info@charlesmccarthy.com

Dunmanus House,Goleen,P81 N277

Guide price: €1,450,000

Exceptional traditional-style, stone-clad, seafront house set on 15 acres approximately with panoramic sea views over Dunmanus Bay in West Cork. This outstanding residence combines timeless craftsmanship with contemporary comfort. Perfectly positioned to capture sweeping sea and mountain views, the property offers tranquility, privacy and a strong connection to the surrounding landscape, just a short drive from local amenities and charming coastal villages. Extending approximately 403 sq. m. (4,340 sq. ft.), the accommodation is arranged over two floors and is designed to make the most of natural light and the spectacular outlook. The entrance hall opens to a beautifully proportioned living room with a feature fireplace and large windows. A spacious dining room connects seamlessly to the kitchen which is well-equipped for family living and there is an adjoining sunroom. Three bedrooms, one en-suite, a sauna, two bathrooms, utility room and w.c. with storage complete the ground level. The upper level features a spacious mezzanine room and adjoining large living space with vaulted ceilings and picture windows. This floor also includes the main bedroom with en-suite bathroom and additional storage. There is a large versatile attic space which is fully floored, currently used as a games room. The property is set within 15 acres approx. offering exceptional privacy and unspoilt natural beauty. The immediate grounds feature beautifully maintained lawns, mature shrubs and gravelled driveways, while beyond, expanses of gorseland roll gently down towards the sea. A detached stone-clad garage and studio stands adjacent to the main house and provides excellent space for vehicles, storage etc. Nestled on the Wild Atlantic Way, this property is within easy reach of the West Cork villages of Goleen, Schull, Durrus, and Bantry town. The area offers sailing, hillwalking, artisan food markets and vibrant local communities.

Selling agent: Sherry FitzGerald O’Neill, www.sfoneill.ie +353 (0)23 883 3995

Ballinglanna,Clonakilty,Co Cork,P85 XW64 Guide price: €695,000

Occupying a generous 0.31 hectare (0.77 acre) approx. site, this impressive home extends to approximately 246 sq.m. (2,648 sq.ft.) and provides versatile accommodation suited to modern family living. Spacious reception rooms are complemented by generous bedroom accommodation. The accommodation is bright and well proportioned. A welcoming entrance hall with feature staircase leads to a spacious sitting room overlooking the sea, while the kitchen opens into a sunroom where coastal views provide an ever-changing backdrop throughout the day. The large kitchen/dining room is complemented by a utility room and guest shower room. Off the rear hallway is a further bedroom.. The remainder of the ground floor comprises three further double bedrooms, one of which is currently in use as a home office and another benefiting from an ensuite shower room, together with a family bathroom. At first floor level there is a spacious double bedroom with walk-in wardrobe, a large store room, a family bathroom and a further room with a partially completed ensuite, offering potential for a variety of uses. The elevated setting enjoys wonderful sea views together with an attractive rural backdrop. The gardens are laid mainly in lawn with ample parking, while a detached garage/workshop provides excellent storage or workspace. The patio area to the front also includes a pizza oven making it ideal for entertaining. The location offers a wonderful balance of peaceful coastal living and convenience, being just a short drive from Clonakilty. Ballinglanna is a small coastal community situated at the head of a sheltered inlet with a sandy beach, slipway and excellent opportunities for sea swimming. A public right of way follows the dramatic cliff tops, linking Ballinglanna with Simon’s Cove and the aptly named Bathing Cove. The surrounding network of quiet country lanes are ideal for walking, cycling and enjoying the spectacular coastline.

Selling agent: Sherry FitzGerald O’Neill, www.sfoneill.ie +353 (0)23 883 3995

Cappaghlass, Ballydehob, West Cork, P81N275

Detached House, 5 BEDROOMS, 3 BATHROOMS

Occupying a private site of approximately 1.2 acres, this home enjoys beautiful sea views while remaining conveniently located just 5km from Ballydehob, 9km from Schull and only 2km from local beauty spot Audley Cove beach. The home is full of character with thoughtful design providing generous living spaces and carefully considered features ensure the breathtaking views are a constant feature throughout the property.

Features:

• Rural setting with Coastal views.

• 5 bedrooms, one of which is on the ground floor.

• Fantastic open plan split level living room / lounge area.

Colleras, Goleen, West Cork, P81VN12

Detached House, 4 BEDROOMS, 2 BATHROOMS

This delightful stone-faced dormerstyle home enjoys a peaceful setting on the edge of Goleen village. Set within a sheltered garden, the property is presented in excellent condition throughout, with bright, spacious accommodation. The property also enjoys close proximity to some of the areas most celebrated attractions, including the stunning sands of Barleycove Beach, the dramatic scenery of Mizen Head and the picturesque harbour village of Crookhaven.

Features:

• Extensive gardens with mature trees.

• Store room & garden shed.

• Oil fired central heating.

Services:

• Septic tank and mains water.

Price €625,000

• Substantial 4 bedroom residence

• Ideally located within easy reach of Goleen

• Mature gardens

• Walled & gated entrance

• 7.5m x 4.5m Garage with electric door and loft storage

• Year of construction: 1993

Services:

• Mains water supply and sewage

• Oil Fired Central Heating

Price €565,000

La Nua, Gubbeen, Schull, P81 YN81

Guide price: €475,000

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La Nua is nestled in the foothills of Mount Gabriel, a distance of 1.5 miles from Schull and within a few minutes- drive to the sea. This property enjoys private rural landscape surroundings. La Nua can be enjoyed year round and has individual style and charm. The size of the interior cannot be fully appreciated from the perspective of the pleasant exterior. Inside the front door, the large hallway has plenty of room for storing outdoor items. The living room contains a large stove (with back-boiler) centre to a very cosy family living room. The master bedroom, with its vaulted ceiling is large enough for any size bed, with beautiful reclaimed brass wall light fixtures and a ceiling candelabra decorate this simple yet highly impressive room. Several opportunities in this room to make changes if desired. There is a wonderful flow from room to room in this house. There is an impressive sunroom containing a pleasant office space in this room, with high speed broad band. The kitchen contains a large fridge & a small fridge, one medium-sized freezer, 4-ring gas cooker, microwave oven, & dishwasher. A sheltered sun-trapped patio is directly outside the kitchen door. A pergola leads the way down to the large back garden and guest apt from here.

Selling agents: James Lyons O’Keeffe, Skibbereen, Schull, Bantry

+353 (0)28 63131 • +353 (0)28 28122 • www.westcorkproperty.com

4 The Break, Colla Road, Schull, P81 E657

Guide price: €500,000

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Tucked away in a quiet cul-de-sac just off Colla Road, this distinctive semi-detached home enjoys a peaceful setting within easy walking distance of the seaside village of Schull and all its amenities. With its striking timber-clad exterior, quirky design features and individual décor, the property is full of character and offers bright, open-plan living spaces that create a warm and welcoming atmosphere. A particular feature of the home is the first-floor balconies to the rear, providing a lovely spot to relax while overlooking the generous enclosed garden and decking area, perfect for entertaining or simply enjoying the peaceful surroundings. Adding to its versatility is a self-contained studio at ground floor level, offering potential as a home office, studio or guest accommodation. This home enjoys an excellent location within walking distance of Schull’s harbour, independent shops, cafés, restaurants and a host of local amenities.

Features: Private parking. Front and rear garden. Main house heated with Air source heat pump & stove. Solid wood flooring throughout. 1st floor can be reconfigured to incorporate additional bedroom. Studio apartment heated with stove & electric heating. Large detached utility room: (3.4m x 4.3m). Property located 150m off the Colla Road.

Selling agents: James Lyons O’Keeffe, Skibbereen, Schull, Bantry +353 (0)28 63131 • +353 (0)28 28122 • www.westcorkproperty.com

Reenroe, Drimoleague, West Cork, P47XF20

Guide price: €550,000

3

Spacious, superbly presented 5 bed dormer bungalow residence on c. 0.5 acre landscaped grounds. Featuring a bright modern interior c. 800 sq ft first floor, sunroom, patio and well maintained lawns the property offers panoramic countryside views. Discreetly located c. 2 miles south of Drimoleague off the Skibbereen road and just over 1 hour to Cork city. Services: Oil fired central heating, fibre broadband, well water, private drainage.

Entrance Hall - 5.8m x 2.8m Cloakroom, steps to inner hall, double glass doors to sitting room; Sitting Room - 5.3m x 4.4m Insert stove with marble surround, high ceiling; Inner Hall - 7.3m x 1.1m Hotpress; Kitchen - 3.8m x 3.3m Modern painted wooden kitchen with granite worktop, gas hob, electric double oven, American fridge freezer, dishwasher, steps to sunroom, garden views; Sunroom - 6.8m x 4m vaulted ceiling, French doors to patio, panoramic countryside views; utility room - 3m x 2.4m kitchen units, sink, worktop, shelving, washing machine, dryer; Office - 3m x 2.5m; Playroom - 3.8m x 2.6m; Bathroom - 4.2m x 3m Tiled, bath, shower unit, wash hand basin, w.c. heated towel rail, half panel walls; Inner Hall - 7m x 1.1m; Bedroom 1 - 3.4m x 3.2m; Bedroom 2 - 4.2m x 3m garden views, walk in wardrobe, full en-suite with shower unit, wash hand basin, w.c. Bedroom 3 - 4.5m x 2.4m; Bedroom 4 - 3m x 3m; Bedroom 5 - 4.5m x 2.8m French doors to south facing patio, full ensuite with shower unit, wash hand basin, w.c. Games Room - 13.8m x 3.8m

Selling agent: Pat Maguire Properties • 028 22 822 • info@patmaguireproperties.com

Letterlickey East, Bantry, West Cork, P75XD89

Guide price: €575,000

Impressive 4 bed residence with detached garage on c. 1.5 acre landscaped plot. Featuring a bright spacious interior with large attic this property enjoyd panoramic countryside views. Well located c. 4 miles from the harbour town of Bantry. Services: Oil fired central heating, private water and drainage, broadband. Entrance Hall - 7m x 2.5m tiled floor, oak staircase, double glass doors to sitting room; Sitting Room - 5.7m x 4.5m walnut floor, marble fireplace, half panel walls, feature bay window with panoramic countryside views; Kitchen/Dining Room - 8m x 4m tiled floor, painted wooden kitchen with granite worktop, centre island with breakfast bar, electric double oven, hob, extractor, integrated dishwasher, American fridge freezer, archway to sunroom, feature bay window with excellent countryside views; Sun Room - 4.4m x 4m walnut floor, solid fuel stove, vaulted ceiling with exposed beams, French doors to south facing patio, panoramic countryside views; Utility Room3.2m x 2m tiled floor, painted kitchen units, sink unit; Bedroom 1 - 3.8m x 3.8m Oak floor, built in storage unit; Washroom - 2.5m x 2m tiled floor, glass vanity unit, w.c.; Landing - 3.6m x 3.4m oak floor, hotpress, stairs to second floor; Bedroom 2 - 4.8m x 3.4m Oak floor, walk-in wardrobe, full ensuite with shower unit, vanity unit, w.c. heated towel rail; Bedroom 3 - 4m x 3.8m oak floor, built-in wardrobe, countryside views; Bedroom 4 - 3.2m x 2.8m oak floor, countryside views; Laundry Room - 3.8m x 3m oak floor, built-in units, worktop, washing machine, dryer; Bathroom - 3m x 2m Fully tiled, jacuzzi bath, shower, vanity unit, w.c., heated towel rail; Landing 2 - 4m x 1.8m; Storage Study - 3.8m x 3m. Store Room - 3.8m x 3m

Selling agent: Pat Maguire Properties • 028 22 822 • info@patmaguireproperties.com

Schull Point, Colla Road, P81FH98

Guide price: €1.85m

A private pier, 200m of coastal frontage and direct coastline access are only some of the exceptional features of this property on Schull’s sought-after Colla Road. Built in the 1960s, the architect designed four-bed home extends to 2,990 sq ft and has a unique layout to avail of light and views that include Long Island, Castle Island and Horse Island. The second level features two balcony areas to appreciate the stunning location – the first is accessed off the main bedroom where you will find a hot tub, while the second is accessed off the landing area and is an ideal entertainment space. ‘Just off the driveway, there’s an access point to the water guided by a rope and rail balustrade that brings you to a set of steps that allow for easy access to sea swimming. The private pier and fixed stairs create a safe harbour and opportunity to moor a yacht,’ said selling agent Michael O’Donovan of Savills, joint sellers with H Property.

Selling agent: Michael O’Donovan of Savills, Cork. +353 (21) 427 1371 • savills.ie, joint sellers with H Property • www.hproperty.ie

Dunnycove, Ardfield, Clonakilty

Guide price: €975,000

LOCATIONS hardly come better than this one at Dunnycove, Ardfield where a threebed residence commands exceptional sea views in a sought-after coastal spot. The property which extends to 1,315 sq ft is set on approximately one-third of an acre of private grounds and has a lot to get excited about. There’s the pristine twobed primary residence, where smart design makes the most of sea views, with floor-to-ceiling glazing and sliding doors framing the coastal views and providing direct access to the garden which features an attractive sun terrace. There’s also a one-bed self-contained annexe ideal for guest accommodation, independent accommodation for a family member or a supplementary income. The annexe has its own independent entrance and its accommodation comprises an open-plan kitchen, dining and living area with large windows and sliding doors overlooking the coast, together with a double bedroom and bathroom. The vibe throughout is in perfect harmony with the natural surrounds of the property.

A workshop and bike shed complete this very attractive package in Dunnycove which is perfect for swimming, paddle boarding, kayaking and boating. ‘This exceptional residence offers a rare opportunity to enjoy coastal living in one of West Cork’s most scenic locations,’ said selling agent Mark Kelly of Hodnett Forde.

Hodnett Forde Property Services, Clonakilty www.hodnettforde.com • info@hodnettforde.com • +353(0)23 883 3367

Drombeg House, Glandore, P81 HX75

Guide price: €2.5m

A once in a generation offering, is how selling agent Maeve McCarthy describes restored 17th century residence Drombeg House ‘where the quality of the renovation is matched by the strength of its setting.’ e restored south-facing, period residence in Glandore offers sea-views, old world charm with all the modern comforts a discerning home owner would expect.

Approached via an electronic gated entrance, behind the classical facade is a house that has been comprehensively restored and refined in recent years including full insulation, replastering, complete rewiring and replumbing, a new roof and rainwater goods, and the installation of high quality Georgian style timber sash windows and doors. Underfloor heating has been introduced at ground floor level, with antique, refurbished, cast iron radiators serving the upper floors. A new oil fired system is in place, designed with flexibility for future energy upgrades. Extending to approximately 480 sqm, the accommodation is tastefully arranged over three levels with everything you’d expect including a boot room, pantry and laundry. ere’s also a one bedroom gate lodge which provides independent accommodation. e house sits on an eight-acre site including a one acre walled garden, and this exceptional package is completed with a traditional stable block with three loose boxes, together with a tack room and work area, a barn and garage.

Selling agent: Charles McCarthy Estate Agents, Skibbereen • info@charlesmccarthy.com

Altar Stone House, Goleen, P81HR97

Guide price: €895,000

Ballyrisode beach is one of West Cork’s favourite bathing spots with its clear waters and sheltered coves, and this four-bed property is on its doorstep. Discreetly located just off the main Schull to Goleen road it’s a contemporary, spacious light filled residence residence, that’s perfectly suited to family living. Accommodation includes an open plan kitchen and dining space that’s ideal for entertaining, along with a sitting room and sun room with coastal views for miles. Gardens are well maintained and the entire site stretches to a considerable 4.5 acres which offers plenty of options. Included in the package is a detached studio and also a garage ‘Featuring panoramic south westerly sea views, a quality interior and sheltered paddocks the property is in excellent condition throughout,’ said Pat Maguire of Pat Maguire Properties.

Selling agent: Pat Maguire Properties • 028 22 822 • info@patmaguireproperties.com

Arderawinny, Schull, P81EP46

Guide price: €650,000

Combining character, exquisite gardens and coastal location, this is an exciting opportunity for West Cork house hunters.

So says Colm Cleary of James Lyons O’Keeffe, who are the selling agents for the three-bed property located in the townland of Arderawinny, 6km from Schull village. There are many elements to this property to get excited about. Starting with the traditional farmhouse, it has been lovingly renovated and carefully maintained over the years, retaining its charm without sacrificing any modern comforts. There’s also a sought after separate guest annex, offering excellent flexibility for extended family, guest accommodation or a convenient working from home space; and other out buildings. Set on a site of 1.2 acres, the gardens are a really special feature of the property and include an impressive collection of specimen trees including wild cherry, hornbeam, oak, wild pear, mountain ash, sweet chestnut, mature hawthorn, beech and alder, among many others. This is a property that ticks all the boxes.

Selling agent: Colm Cleary of James Lyons O’Keeffe

Kilfinnan, Glandore, P81K061

Guide price: €750,000

GLANDORE is one of West Cork’s most sought after addresses and this three-bed property has a lot to turn heads.

The well-designed residence extends to just over 2,000 sq ft and is well suited to family life with generous living spaces, that are designed to appreciate views of Glandore harbour. One of the three bedrooms is downstairs lending itself to other purposes such as home office or playroom, with two of the three upstairs bedrooms boasting ensuites.

Constructed in 2007/2008, the property has a B BER rating and with high end finishes throughout and comes to market in excellent condition. Features include solar panels, an EV charging point, glass house and garden shed. Gardens are beautifully landscaped with mature planting, and the property has the benefit of two gated entrances (one electric). A detached garage with electric roller door also provides t storage and workshop facilities.

‘Situated in one of West Cork’s most coveted coastal settings, the property offers the perfect combination of tranquillity and convenience. Whether as a permanent family home or an exceptional coastal retreat, this is a rare opportunity to acquire a beautifully appointed residence in one of Ireland’s most scenic and desirable locations,’ said selling agent Niamh Moloney of Sherry FitzGerald O’Neill.

Selling agent: Niamh Moloney of Sherry FitzGerald O’Neill.

Glebe House, Aughadown, P81 CF29

Guide price: €3,950,000

Originally built in 1784 by Rev. Joseph Wright as the Church of Ireland Rectory for the adjacent parish church of Aughadown near Skibbereen, this remarkable waterfront mansion house has evolved over the centuries into an exquisite country home.

Approached via a sweeping waterside drive, this exceptional property is set within a secluded 9-acre (3.84-hectare) sanctuary of natural beauty. Commanding a spectacular position on a bend of the Ilen River estuary, it boasts direct private shoreline access, as well as convenient access to Baltimore Harbour and the renowned sailing waters of Roaring Water Bay and the Carbery Hundred Isles. The grounds have been beautifully landscaped in recent years.

Retaining the elegant proportions, grandeur, and symmetry of the Georgian era, it has been thoughtfully adapted into a comfortable five-bedroom, four-bathroom family home with ground floor guest cloakroom, spanning approximately 9,000 sq. ft. (825 sq. m.)

Classical styling and contemporary design blend seamlessly, creating a functional and open living space. Superior-quality materials are evident throughout, complemented by bespoke features that enhance both character and comfort. The principal rooms are generously proportioned, with soaring ceilings, exquisite period details, and large sash windows that frame breathtaking views of the river, islands, and rolling countryside.

Notably, recent energy-efficient upgrades, including the installation of PV panels, have contributed to an impressive C1 rating – remarkable for a property of this age.

In addition to the main residence, two beautifully restored cottages frame the courtyard, providing an additional three bedrooms. This self-contained accommodation is ideal for guests or staff. The property also features a dedicated yoga room, gym, tennis court and walled garden enhancing its appeal as a private retreat. A separate entrance is also available at the rear.

Glebe House, located just ten minutes from Skibbereen and approximately eighty minutes from Cork Airport, is a truly rare and private offering. Widely regarded as one of the finest properties on Ireland’s south coast, it presents an exceptional opportunity to enjoy both luxury and tranquillity in this remarkable setting.

Selling agent:

Charles McCarthy Estate Agents, Skibbereen • info@charlesmccarthy.com Lisney Sothebys International Realty, Cork • lisney.com

Move it... or lose it

MOVING house presents the perfect opportunity to declutter.

If you’re downsizing, it’s absolutely vital; but regardless of where you’re moving to and the circumstances prompting it, it’s never ideal to bring all your old baggage on your new journey.

Professional organiser and Marie Kondo-trained, Vera Keohane, Kinsale says that ‘moving house decluttering needs to be carried out with a different mindset to regular decluttering and if done correctly will save you time and money in the long run.’

It’s not about boxing up everything you own and taking it with you, she stressed.

‘That’s absolutely detrimental. I’ve seen people do that, and boxes of unwanted things just lie unopened in the new house, or worse still end up costing money in storage,’ she said.

‘The question to ask yourself when deciding what makes the cut is, “what do I want to unpack in my new home?” This small shift changes everything. It encourages you to be intentional rather than transporting your entire life from one house to another. Every item has a moving cost, whether you are hiring movers or doing it yourself. Every box costs time, money and energy. If something isn’t adding value to your life, why pay money to transport it?’ she asked.

Moving to a new home is the ideal opportunity to declutter your house, and your mind. Emma Connolly gets practical advice from not one, but two experts

months, if it’s broken or in poor condition, it shouldn’t be coming with you. Here are some of Vera and Anne Marie’s tips:

Start early

The process starts way before you begin to box things up, says Vera. In fact packing boxes is the last step.

‘It’s really helpful to use visualisation in this process. Visualise your new home, clear spaces, counter tops, cupboards, free flowing wardrobes. I’m not talking about perfection but it’s about keeping that dream alive, and the more ‘stuff’ you bring, the less you’ll align with it. So keep asking yourself if you can see whatever it is, in your future and asking is it worth your time and energy to move it,’ she advised.

‘Moving isn’t about taking everything you own, but choosing what you want to live with. It’s about making sure you arrive excited, and not overwhelmed’

More practically, become really familiar with the dimensions of your new home. Will your existing sofa fit in the new living room? If not, why are you thinking of bringing it with you? Get familiar with your storage space. Will all your glasses fit in the available space? Again, if not, there’s no point packing them up.

‘If you hop from room to room, you’ll just get overwhelmed and hit a wall,’ says Anne Marie. Vera suggests starting with the garage. It’s an area not loaded with emotion, and practically it will create space to store boxes. ‘Every day ask yourself: what can I move on today?’ she says. Anne Marie suggests the attic as another good starting point, as it’s often the biggest jobs, or the kitchen where there’s little sentiment. ‘Do it bit by bit, but still it has to be progressive; things must be moving out all the time,’ she said.

‘If in doubt, ask yourself what will I keep, rather than what will I give away as many people find that easier and it helps to create more confidence in decision making,’ she said.

‘But what you want is a carefully curated collection of your belongings, not an accumulation of clutter from your last home,’ she said.

‘It’s all about deciding what deserves a place in the next chapter of your life,’ says Vera, whose business is called ‘Enjoy your Home’ as her wish is for everyone to enjoy their home surrounded by things that they actually love and use.

Anne Marie Kingston, White Sage Decluttering, Clonakilty agrees and says her advice is that if something hasn’t been used in the past 12-18

People move for lots of reasons, not all positive, for example it could be due to bereavement or separation, says Vera. ‘There can be a lot of emotions attached to a person moving, but try to stay focussed on getting to the other side, when you get there. Moving isn’t about taking everything you own, but choosing what you want to live with. It’s about making sure you arrive excited, and not overwhelmed. It’s never too early to get started in the process. Even if you’re only thinking about moving you can start ‘culling items’ says Anne Marie. Seasonal items –clothes, beach gear, decorations - for example can be packed away well in advance.

Keep focus

When

it’s time to get properly started, they both advise approaching the task room by room.

Enlist help. A house move is one of life’s biggest transitions, says Vera. ‘You don’t have to manage it alone and asking for help isn’t a sign that you are failing – it’s often the smartest investment you can make for a smoother, less stressful move. If you’re downsizing, it’s a no brainer to ask for help as you may not have the stamina if you’re in your senior years. But regardless it’s not a job to do on your own, especially as ‘everyday’ life has to continue in tandem. Take all offers of help, even if it’s just someone minding your children for a few hours while you get on with things, she said. In the case of downsizing or where a family is reared, Anne Marie says to get family members to go through their stuff, childhood memorabilia etc and take what they want. ‘Don’t just take it all with you,’ she urged.

Cooling-off period

aged 3-6’ as this will all help in the unpacking stage. Label things, Vera said, as if it will be a stranger doing the unpacking.

Having a dedicated packing station is handy – set up a place with boxes, scissors, tape, bin bags, newspapers, bubble wrap etc.

objective is to arrive at your new home feeling excited at the new opportunity, and ready for a fresh start. By giving yourself plenty of time, getting help, and doing the heavy lifting in advance – emotionally and practically – you’ll be ready for your fresh start.

When it comes to emptying out wardrobes, it’s easier to move clothes still on their hangers, says Vera. ‘Cover them with refuse sacks and they can be quickly hung in their new wardrobes.’

Every household has mismatched socks and Vera has a use for them: use them to protect glasses, especially delicate wine glasses, during the move! Also, old bed linen that may not otherwise make the move, are handy for draping over furniture to protect them.

If you’re really struggling to let some items go, or make a decision, allow yourself a cooling-off period if necessary. Vera downsized homes herself and despite her vast experience, found some things harder than she imagined to let go. ‘I found it really hard to let go of our dining table even though I knew it wouldn’t fit in our new house. It held so many memories of Christmas dinners, the children doing their homework etc. I think it would have been too traumatic to let it go initially so I put it in storage for six months and I was ready then. It’s important to put a time limit on a decision like this though, as otherwise it could drag on for years – and cost you money in storage.’

Box clever

Remember to put heavy items, such as books and electrical items, in smaller boxes to make them easier to lift; and lighter stuff in big boxes, says Vera.

Once you’ve decided what’s coming, and what’s going to charity, recycling or landfill, let the boxing begin! It’s vital to label things clearly. For example don’t just say ‘kids clothes,’ say ‘kids summer clothes

Pack a ‘First Night Box’ suggests Vera. ‘Have one box with all the essentials for when you arrive in your new home. Have things like phone chargers, medications, toothbrushes, items for breakfast etc here. It just makes things easy when everyone is tired,’ she said. And when you arrive at your new home, prepare yourself for a second purge of items that don’t suit, fit or belong in your new home.

Both Vera and Anne Marie agree that the ultimate

INSPIRED BY CONTEXT. GUIDED BY TRADITION. DRIVEN BY VISION.

Making sense of mortgages

Financial expert Sinéad Ryan offers advice on borrowing to buy your new home

THESE days it’s easier to get a mortgage than a house.

In 2025 the Banking and Payments Federation (BPFI) revealed 46,358 mortgages were drawn down, amounting to €14.5 billion – the highest amount since 2008.

But mortgage ‘approvals’ were 53,264. People are shopping around, and that’s a good thing.

What’s not at odds is the skew to first time buyers, accounting for 61% of all mortgage lending.

Buying a home is a daunting experience, often made worse by other people telling you how awful it is, but gathering your paperwork in plenty of time, not forgetting important steps and availing of all the help you can get goes a long way toward securing keys to the door.

How much can I borrow?

First time buyers can borrow more than anyone else, securing 4 times their joint income.

So, for a couple on €70,000 and €80,000, that means €600,000.

However, this is capped at 90% of the purchase price of the property, so if the house costs €500,000, then the most you can borrow is €450,000.

Experts say no more than 35% of your net income should be spent on debt servicing, so borrowing to the hilt isn’t always a great idea.

What do I need?

Banks are concerned about two things: how much you earn and whether anything in your financials could lead you to miss your repayments. So they scrutinise pay slips, spending

habits – you need to provide six months’ bank accounts, and don’t think they won’t spot that secret Revolut one – they will.

You’ll be asked about other debt, like car loans, credit union loans etc. Loans are now published on the Central Credit Register, so there’s no point in being coy.

Banks don’t worry about your outgoings unless they are considered strange or you’re constantly in overdraft. They expect to see rent, groceries, transport costs, utilities etc.

What they don’t like are gambling habits or large cash withdrawals which aren’t clear.

Some banks allow bonuses or overtime included in ‘income’, others not, so if in doubt it’s a good idea to use a mortgage broker (they are usually paid by the bank), to steer you.

How long will it take?

‘Approval in Principle’ is secured quickly, once all the paperwork is in.

This allows you know the maximum loan you’re permitted. It lasts 6 months typically, so don’t apply until you’re ready to buy.

Final approval is subject to any change in your circumstances, but is a matter of weeks rather than months if nothing has changed.

What other costs are there?

As well as your deposit, factor in stamp duty (1%), survey costs (budget €500) and legal fees (several thousand). You will need life insurance and house insurance set up.

This is where people usually become undone, because you will not be

allowed to draw down your funds until it’s in place. Life insurance can take a week, or many weeks depending on current, past or family medical history. Do not leave it until the last minute.

Banks expect you to have enough money separately from the mortgage to fund these things.

Deposit

You will typically need 10% at least, of the property’s price.

Banks prefer to see evidence of a savings history and they definitely do not want you borrowing separately for it.

Gifts are fine from parents but they need evidence that there is no expectation of repayment; some will ask for a legal Deed of Gift signed with a solicitor.

There is no such thing as too much deposit. If you can pull together 20%, for instance, you’ll immediately get cheaper interest rates.

State supports: Help to Buy

There are two schemes to help first time buyers. The first is Help to Buy, which is in effect, a refund of your income tax for the last 4 years, to a maximum of €30,000 or 10% of the purchase price, whichever is the lesser. The cap is per home, not per person.

To qualify, the property must be a new build or self build, valued under €500,000 and you have secured a mortgage of at least 70% on it. Neither of you can have ever purchased a property in Ireland or anywhere, and you must live there as your main residence for five years.

First Home Scheme

This is in effect ‘bridging’ finance. Its purpose is to make up the difference between the maximum mortgage someone can qualify for, and a house price which is above that. This is a loan to bridge the gap.

For that, they take a percentage ownership in your home, which you can ‘buy back’ later. There is no interest, but there are annual service charges.

Rules are strict. Firstly, you must buy or build a new home below a certain value. For Cork city it’s €500,000; in Cork county €450,000.

Your deposit and 90% mortgage must not be sufficient to purchase the home on their own. The scheme lends you up to 30% of the value (20% if you are also using Help to Buy) to bridge the gap. For that, you lose 10% equity share in your home. This is very important to understand.

You don’t need to repay anything for the first six years, however, when you do, and the house value as risen, you will repay 10% of that increased value. That means, you could borrow say 10% or €45,000 now, but in 10 years, have to repay 10% of the uplifted value then, which could be significant.

See firsthomescheme.ie for more information.

• Sinéad Ryan trained as a financial adviser and worked in insurance and pensions for 15 years before becoming a journalist. She presents The Home Show on Newstalk FM on Saturdays and has been appointed to a number of expert groups on pensions and property conveyancing.

There are many reasons to use a mortgage broker

2026 has (thankfully) been another busy year for mortgage brokers! People are driving on with their mortgage applications so the queries are coming thick and fast into us here at Moneytree Finance, despite the well-known difficulties of the housing market.

Most of the people who call or email me with questions are already convinced about the benefits of using a good broker. Once in a while, though, those who reach out do so with trepidation, wondering if it would actually be better to go directly to a bank instead. I freely admit that there are some circumstances in which this is the best approach, but I am convinced that for the vast majority of potential borrowers –especially those buying for the first time –speaking with a broker is the right idea.

The more the merrier (talking to one bank versus talking to many)

As is often the case, getting the best deal is ultimately a numbers game, so borrowers who deal only with a single bank are usually limiting their options when it comes to getting the best rate or mortgage product for their circumstances. When you talk to me or any other mortgage broker, however, you are in essence speaking to multiple banks/lenders at once, without any extra effort. Here at Moneytree, we have a relationship with all of Ireland’s major mortgage lenders — Bank of Ireland, Haven (the broker division of AIB), PTSB, Avant Money, MoCo, Núa Money, and ICS/Dilosk – so a conversation with us is a conversation with all! We can stay on top of each bank’s everchanging interest rates, document requirements, cashback polices, and specific lending criteria, saving you the hassle of

Veronica Daly QFA Proprietary Director and Mortgage Adviser, Moneytree Finance.

having to research too deeply and helping you to navigate an oftenconfusing process. What’s more, if you walk into a bank off the street today and ask for a mortgage, they will assess you only in the here and now, looking solely at your current situation, with little thought to the future mortgage applicant you could be in six- or twelve-months’ time. A broker, by contrast, will tell you what you need to change if you are not yet mortgage ready, and put a plan in place to get you there.

Perhaps even more importantly, dealing with someone who has access to multiple banks gives you genuine alternatives if something goes wrong, as unfortunately it sometimes does when buying a home. Maybe one bank has happily approved you and your income, but it does not like the look of the house you have just put a sizeable deposit down on, perhaps because it needs renovations or a particularly quick sale. Crucially, employing a broker will give you options in this scenario, and switching latein-the-day to a more amenable bank may well be a possibility. Better still, the broker will put in the application for you, which is of course another great reason to use one (everyone hates paperwork, don’t they!?).

A wealth of experience and the human touch Scenarios like the one described above, where an application runs into difficulty based on some

unforeseen circumstance, are always difficult for clients but this is where brokers like me come into our own. We have seen it all before! We’ll know what do when a boundary issue pops up on the beautiful second-hand cottage you have fallen in love with, or an unexpected pregnancy means a period of maternity leave is suddenly on the cards. We’ll know how to get in touch and converse with impatient estate agents, hard-to-reach solicitors, and headstrong bank officials, and can advise the IT-inexperienced on how to download your Help to Buy approval from Revenue’s website. In sum, a good broker will be on hand to talk you through awkward, stressful situations like those described above and to sympathise with you if needed - a human touch that is especially welcome in this new “Age of AI”. The banks are also staffed by actual people, of course, but when dealing with them directly you may find that a different person greets you every time you call or drop into a branch. This is understandable because the high-street banks are all huge organisations with thousands of staff, but it can make getting a straight answer on a simple question difficult. The average brokerage, however, is a much smaller operation, allowing for a more personable customer experience. If you ring Moneytree Finance during office hours with a mortgage query today, I guarantee that either myself or one of my small but dedicated team will answer almost immediately, ready to advise as best we can.

Extra help with complex cases I have argued above that brokers are great to have on hand when seemingly standard applications go awry,

but to finish I will make the case that there are certain, more complicated situations in which speaking with a broker is absolutely essential. For example, if you have ever had credit issues in the past, such as missed payments on a loan, you should definitely speak with a broker before applying. Or if your dream home has unexpectedly come onto the market, but you have not been getting mortgage ready for the last six months, you should certainly consult a broker about the best way forward.

Perhaps the most obvious example here, though, is self-builds –a very common route to home ownership

in West Cork. Selfbuild mortgages are a different kettle of fish to your average property purchase, and I would not advise anyone to tackle the process without the help of a good broker, as everything is more complicated when it comes to self-builds. Indeed, only three Irish lenders will do self-build mortgages, which should in theory make picking the right bank easier, but each of these has its own rules on everything from the minimum build cost per square metre to the time it takes to actually build a house. Haven/ AIB, for example, will give you all the time you need to complete the process (within reason), but Bank of Ireland

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want the house built, from green-field site to liveable home, within eighteen months. This is the kind of rule that you simply must be aware of before submitting your application, and your best bet for understanding everything properly is to sit down properly with a broker. Hopefully I have made a good case that people like myself are worth talking to if you are considering a mortgage application of any type. Thank you for reading and, as always, if you have any questions about the above, or mortgages in general, please don’t hesitate to get in touch with Moneytree Finance on 023 881 0001 or admins@mtf.ie.

Modhome living solutions

BASED in Ballinhassig, Cork, Modhome specialises in sustainable, energy-efficient modular housing tailored for modern Irish living.

Modhome is a growing modular homes business based in Cork, offering sustainable and affordable housing solutions tailored to the Irish market. Specializing in precision-built, energy-efficient modular units, the company combines modern design with eco-friendly materials to provide high-quality homes that can be delivered and installed in a fraction of the time of traditional builds.

From compact garden studios to full-scale family homes, our modular designs offer flexibility, durability, and style. As demand for quick, cost-effective housing rises across the country, Modhome continues to expand its reach while promoting sustainable living and innovative construction methods.

Website: info@modhome.ie

Contact: Reggie Sweetnam 087 240 8666

Email: info@modhome.ie

Your local , trusted mortgage experts in West Cork

company located in Clonakilty. Established in 2006 by Con and Veronica Daly, we bring over 20 years of experience advising individuals, families and businesses on financial matters.

Our mission is simple... to help you and your family achieve peace of mind through simple, tailored financial advice that you can understand and trust.

Local Knowledge. Expert Mortgage Advice

Every mortgage journey is different. That’s why Moneytree takes the time to understand your circumstances and recommend the mortgage that’s right for you. As a trusted local adviser, we’re committed to making your home-buying experience as smooth as possible.

Simple Tailored Financial Advice

Our single goal is to assist you when dealing with investments, pensions, life assurance and mortgages. You can take confidence in dealing with Moneytree Finance that you will receive honest professional advice from a Certified Financial Planner.

Whether you’re buying your first home, moving house or considering switching your mortgage, having the right advice can make all the difference. At Moneytree, our experienced team provides clear, professional mortgage guidance tailored to your individual needs, helping you secure the right solution with confidence.

• First-time buyers, moving house, switching mortgage provider, self-builds, equity release & buy to let

• Proven track record of successful mortgage approvals

• Online application so access 24/7 – make an application when it suits you.

• We proudly partner with all leading mortgage lenders and insurance providers, ensuring you receive the best options and services available

We also provide expert advice on:

• Mortgage Protection

• Life Assurance and Family Protection

• Savings & Investments

• Pensions & Retirement Planning

I found Money Tree Finance on Google and am delighted I happened upon them. From the first contact and all the way through the first time buyers mortgage process for a self build, Veronica and the team have been extremely helpful, professional and available for all my questions etc. I would highly recommend Veronica and the team to anyone looking for a mortgage broker.

M. Neville, Feb, 2026

A huge thank you to Veronica, Con and the whole team who helped us with a mortgage application and financial advice recently. Being self employed, I thought it would be very difficult or even impossible to get a mortgage, but the whole team at Moneytree made it so easy, and very efficient. Sale agreed to keys in less than 6 weeks. Highly recommended.

A. Loane, Jan, 2026