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We will not apply the increase if you are paying a mortgage within an existing fixed rate term.
Fixed Rate Mortgage Change
From 03 February 2023, we will increase our fixed interest rates for mortgages by up to 0.75% for private homes (PDH).
- Existing fixed rate (mortgages currently in a fixed rate period) and variable rate mortgages remain unaffected by the increase.
- Customers who draw down their new mortgage by close of business 3 March 2023 can avail of the previous rates.
We will apply these new rates to existing customers entering a new fixed rate period from 03 February 2023.
To request a change to the interest rate on your mortgage you must complete the Home Loan Interest Rate Application Form. Please print and complete the form ensuring it is signed by all parties to the mortgage and email to info@havenmortgages.ie. Alternatively, return to the address shown on the form.
Haven PDH Fixed Rates:
PDH Fixed Term |
Current Rate |
New Rates |
1 Year |
4.15% |
4.40% |
2 Year |
4.15% |
4.40% |
3 Year |
3.35% |
4.10% |
Green 4 Year |
3.00% |
3.65% |
5 Year |
3.55% |
4.20% |
7 Year |
3.65% |
4.40% |
10 Year |
3.85% |
4.60% |
FAQs
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Why are these fixed rate increases happening?
Following the European Central Bank’s increases in interest rates since July 2022 and in a rising interest rate environment, we are increasing all our fixed mortgage interest rates.
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I have mortgage approval with Haven but have yet to draw down* my mortgage, does this change affect me?
Customers who draw down* their new mortgage before close of business on 03 March 2023 can avail of the previous rates.
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I am a mortgage customer and have submitted a request to fix my mortgage interest rate. Does this change affect me?
We will charge the previous rate (before the increase) to customers who have asked us to fix their rate using the Home Loan Interest Rate Application form from our website by close of business on 02 February 2023.
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I am a mortgage customer and my mortgage is on a variable rate, are these rates changing?
No, we are not changing our Standard Variable Rate and LTV Variable Rates. Details of our mortgage rates are available on our website.
You can visit: https://www.havenmortgages.ie/mortgage-centre/mortgage-rates
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I am a mortgage customer and my current fixed rate period on my mortgage is due to end soon. Does this change affect me?
We will apply these new rates to existing customers entering a new fixed rate period from 03 February 2023.
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Due to the recent coverage around increasing mortgage interest rates, I am concerned about missing future payments on my mortgage.
If you are concerned about your mortgage repayments or if you already missed repayments, you can speak to us by calling 0818 280 280.
Alternatively, you can visit: https://www.havenmortgages.ie/worried-about-payments
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What other rate options are there?
We have wide range of competitive rate options available to customers. Please visit our website for more information.
https://www.havenmortgages.ie/mortgage-centre/mortgage-rates
*Mortgage drawdown means where all the loan conditions have been complied with and Haven transfers the mortgage amount to your solicitor