Mortgages

Mortgages from Haven

Haven offers mortgages for most types of borrowers via a panel of approved mortgage brokers (intermediaries) across Ireland.

What mortgages does Haven offer?

They offer a range of mortgages with added support from a Haven intermediary who will help you through the mortgage process.

  • First time buyer: You could borrow up to 90% of the property’s value over a term of up to 35 years with a Haven first time buyer mortgage. The intermediary you choose will be on hand throughout the process.
  • Next time buyer: If you’re a bit rusty on how the mortgage process works, your intermediary can help to refresh your memory and walk you through each step.
  • Self build: If you’re building your own home you’ll need a dedicated self build mortgage. With this type of mortgage you can drawdown at up to six stages during your build.
  • Switcher: Switching your mortgage to Haven doesn’t have to be hard work with an intermediary on board.

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What does a Haven intermediary do?

Intermediaries are also known as mortgage brokers. Haven intermediaries search for the right mortgage for you, using their knowledge and experience of different borrowing circumstances. Then, they can guide you smoothly through each step of the borrowing process.

If you have a busy lifestyle or are daunted by the amount of paperwork you’ll need to apply for a mortgage, an intermediary could save you time. Plus, they’ll fill out your forms for you and bat away any potential issues before they arise.

The first step to getting a Haven mortgage is choosing an intermediary. You should ask about any fees they may charge and make sure you’re happy to go ahead.

Why choose a Haven mortgage?

There are lots of benefits to choosing a Haven mortgage, here are some of them:

  • A range of mortgage rates, including variable and fixed terms of up to 10 years.
  • A special Green 4 Year fixed rate for A1 to B3 energy-rated homes.
  • €2,000 cashback* when switching a mortgage of less than €250,000 to Haven or when choosing the Haven Green mortgage rate.
  • €5,000 cashback for customers buying a home or switching a mortgage of €250,000 with most fixed rates. terms and conditions apply
  • You have the option to split your mortgage, with part on a variable rate and part on a fixed rate.
  • Top-up mortgages for customers wishing to renovate their home or for other reasons.
  • A dedicated mortgage broker to answer your questions, offer advice and complete the paperwork for you.

*This sum is increasing to €3,000 for eligible mortgages which drawdown from 27 May 2024

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More about Haven

Haven Mortgages Limited, known as Haven, is part of the AIB Group and regulated by the Central Bank of Ireland.

Haven is focused on mortgages alone and offers its products via approved intermediaries.

Haven mortgages FAQs

Will I have to pay a mortgage broker (intermediary) fee?

Yes, many intermediaries do charge a fee. If there is an administration fee to pay, this should be outlined to you upfront, and is payable when you apply for the mortgage.

Find out more about mortgage intermediaries in our guide, Should you use a mortgage broker?

How much can I borrow with Haven?

This depends on a number of factors, including:

  • Your household income and outgoings
  • The size of your deposit
  • Your buying status e.g. first time buyer or next time buyer
  • Your credit history
  • The cost of the property

Our guide explains more about how much you can borrow or you can refer to your Haven intermediary.

Can I keep my Haven tracker mortgage rate?

It may be possible to keep your tracker mortgage if you’re moving home, but you’re likely to pay your existing rate plus an additional 1%.

Your Haven intermediary can advise if this is the best solution for you.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

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Mortgage lenders in Ireland

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 18/04/2024