Haven Green 4 Year Fixed Rate Mortgage

Haven now offers customers a new, lower rate of interest for going Green if you are buying, moving to or building a high energy rated home. Our Haven Green 4 Year Fixed Rate Mortgage supports customers who want to live in a sustainable property by offering a lower rate of interest for all A1 to B3 energy rated homes.

 

If you are a first time buyer, mover, buying a holiday home, topping-up on an existing mortgage, switching a mortgage to us, or moving to a different fixed rate, and the property is at least B3 rated, the Haven Green 4 Year Fixed Rate Mortgage is available to you.

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    Who can apply for the Haven Green 4 Year Fixed Rate Mortgage?

    • The Haven Green 4 Year Fixed Rate Mortgage is available to customers who are either a first time buyer, mover, buying a holiday home, topping-up on an existing mortgage, switching a mortgage to us, or moving to a different fixed rate. You can also have this offer if you are moving home and your negative equity mortgage is with us.
    • You’ll need to provide a valid BER Certificate with a rating of A1, A2, A3, B1, B2 or B3.
    • The BER Certificate must be dated in the last ten years.

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    What does the Building Energy Rating (BER) Certificate need to show?

    • Home address of the property being mortgaged
    • BER Grade – A1, A2, A3, B1, B2 or B3
    • Carbon Dioxide (CO2) Emissions Indicator Calculation
    • A Valid Until Date

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    For existing Haven Mortgage Customers:

    • You can leave your current Haven Fixed Rate term early to get the Haven Green 4 Year Fixed Rate Mortgage rate if there is at least four years remaining on your current Haven Mortgage. If you are on an existing Haven Fixed Rate an Early Breakage Charge may apply.
    • You can leave your current Haven Variable Rate to get the Haven Green 4 Year Fixed Rate Mortgage if there is at least four years remaining on your current Haven Mortgage.
    • You can get additional information and Cost of Credit examples from your Intermediary.


    To apply, please complete the Home Loan Interest Rate Application Form and forward this with a copy of your BER Certificate via post to our registered address 2, Burlington Road, Dublin 4, or email to info@havenmortgages.ie.

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    If you are drawing down a Self-Build Mortgage Loan:

    • You can apply for the Haven Green 4 Year Fixed Rate Mortgage once:
      • Your property has been completed and has a BER Certificate of A1, A2, A3, B1, B2 or B3
      • All stage payments have been drawn.
    • Then you can apply for the Haven Green 4 Year Fixed Rate Mortgage if there is at least four years remaining on your current Haven Mortgage. If you are currently on an existing Haven Fixed Rate, an Early Breakage Charge may apply.
    • You can get additional information and Cost of Credit examples from your Intermediary.
    • To apply, please complete the Home Loan Interest Rate Application Form and forward this with a copy of your BER Certificate via post to our registered address 2, Burlington Road, Dublin 4, or email to info@havenmortgages.ie

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    You can’t apply for the Haven Green 4 Year Fixed Rate Mortgage if:

    • You are a Self-Build Mortgage Customer still receiving stage payments;
    • You don’t have a BER Certificate with a rating of A1, A2, A3, B1, B2 or B3;
    • The property’s BER Certificate is older than 10 years;
    • Your existing mortgage loan is a Buy to Let mortgage.


    The terms and conditions of the Haven €5,000 Cashback have been updated and this offer is no longer available on every fixed rate. The Haven €5,000 Cashback is not available on the Haven Green 4 Year Fixed Rate Mortgage. For more information on the Terms and Conditions see here.

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    What happens when your Haven Green 4 Year Fixed Rate Mortgage term ends?

    • Before the end of your Haven Green 4 Year Fixed Rate Mortgage term you will be sent a list of rates on offer from Haven at that time. You can choose a new rate.
    • You can apply for the Haven Green 4 Year Fixed Rate Mortgage again if:
      • Your property’s BER Certificate has a rating of A1, A2, A3, B1, B2 or B3; and
      • You have a BER Certificate dated within 10 years; and
      • The Haven Green 4 Year Fixed Rate is still available

     

    If you do not select a rate, the Default Variable Rate at that time will be applied.

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Notes:
 

  • The terms and conditions of the Haven €5,000 Cashback have been updated and this offer is no longer available on every fixed rate. The Haven €5,000 Cashback is not available on the Haven Green 4 Year Fixed Rate Mortgage. For more information on the Terms and Conditions see here.
  • By signing the Home Loan Interest Rate Application Form you are applying for this Haven Green 4 Year Fixed Rate Mortgage with the understanding that you cannot avail of the Haven €5,000 Cashback (at mortgage drawdown).
  • Customers who qualify for the Haven Green 4 Year Fixed Rate Mortgage can avail of a lower rate of interest than our other Fixed Rate mortgage offerings available as at 8th July 2021.
  • Customers who switch their mortgage to Haven and take the Haven Green 4 Year Fixed Rate Mortgage will receive a €2,000 cash offer towards legal costs (subject to criteria).
  • There may be costs associated with obtaining a BER Certificate. Please refer to www.seai.ie for further information.
  • You can get additional information and Cost of Credit examples from your Intermediary.
  • For more information on Haven Green 4 Year Fixed Rate Mortgage including examples of Cost of Credit and Early Breakage Charges please visit.

Warning: If you do not keep up your repayments you may lose your home.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

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.

Warning: The payment rates on this housing loan may be adjusted by the lender from time to time.*

*Applies to variable rate loans only