I’m hoping to buy a parcel of land on which to build a house. I’ve consulted with the planning authority and there are no planning issues so a grant of planning permission is most likely. I want to buy the site prior to obtaining planning permission. However, the banks won’t give a mortgage for land unless planning permission is granted. I own a house in Dublin, the mortgage on which is €100,000 less than the current value of the house. I have asked the bank about getting equity release on my house to buy the land but they won’t give equity release for the purpose of buying land. I’m looking to borrow less than half the value of the land (about €40,000) and have the remainder in savings. I have a permanent job and ability to repay a loan of this amount. Can anyone advise what options I might have for getting a mortgage or loan of €40,000 having regard to the above considerations. I’m hoping to avoid the higher interest rates of a personal loan.