1) A mortgage will be provided for a site with full planning permission where you have the intention to build immediately, you cannot sit on a site for 2 years.
2) Your net disposable income is €1338 per month (€5538 - €4200). This is 25% of your total income. You would need your net disposable income to be at least 40% before a lender would look at a mortgage application.
At the moment you have only 25% of your income to live on after paying bills, this is far too low to contemplate taking out another mortgage.
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