EBS recognise that you are bringing a site with planning permission to the transaction which has an inherent value, so depending on the site value, build cost and completion value of the project, you may not need to have a 10% deposit. For example if a First Time Buyer applicant already has a site (with no mortgage) for say €50,000, plans to build their home for €250,000 and the completed property will be worth €300,000 – EBS can lend the full €250,000 build cost if required (assuming the applicants qualify for affordability), which means they don't need the 10% deposit, but can keep their savings for the property kit-out/furnishings etc.