Lower rate of interest for higher energy rated homes
Haven offers customers a lower rate of interest for going green if you are buying, moving to, or building a high energy-rated home. Our Green 4-year Fixed Rate mortgage offers a lower rate of interest for homes with a certified Building Energy Rating (BER) between A1-B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B.
Easy, clear application process
Who is it for?
Available to PDH customers who are either a First Time Buyer, Movers, Switcher (switching a mortgage to us where you live in the property), building their own home, buying a holiday home (in Ireland that you intend to live in), topping-up on an existing mortgage, or moving to a different Fixed rate.
What you need
- A valid BER certificate with a rating dated in the last ten years between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B.
- If you are building your own home you can apply for the Haven Green 4 Year Fixed rate mortgage. We’ll need our Architect Certificates that show the build work meets nearly Zero Energy Building (nZEB) standards.
- If you are undertaking renovations that don’t require planning permission, we’ll need your BER Certificate to confirm the home has a BER rating of between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B, before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 or if the 'validity' date is after 24 May 2026 then A0, A or B, then a BER Certificate can be provided after the work is done and the mortgage loan can then be changed to the Green 4 Year Fixed Rate.
Apply
Complete the Home Loan Interest Rate Application Form (PDF, 6 pages, 917KB) and forward this with a copy of your BER certificate via post to
10 Molesworth Street Dublin 2, D02 R126
or email to info@havenmortgages.ie
Additional information
- Our existing mortgage customers can apply for the green 4-year fixed rate mortgage 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.
- There may be costs associated with obtaining a BER Certificate. Please refer to the SEAI website for further information.
- If you are building your own home, you can apply for the Haven Green 4 Year Fixed rate mortgage. We’ll need Architect Certs that show the build work meets nearly Zero Energy Building (nZEB) standards.
- If you are undertaking renovations that don’t require planning permission, we’ll need a copy of your BER Certificate to confirm the home has a BER rating of between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 or if the validity date is after 24 May 2026 then A0, A or B, then a copy of your BER Certificate can be provided after the work is done and the mortgage loan can then be changed to the Green 4 Year Fixed Rate.
- The Haven €5,000 Cashback is not available to you if you draw down your Mortgage Loan on the Haven Green 4 Year Fixed Rate. For more information on the Terms & Conditions of the Haven €5,000 Cashback, see Haven Cashback details here.
- If you have a tracker mortgage with another mortgage provider switching your mortgage to Haven means you will lose your tracker rate.
- We can change, withdraw or swap the features and/or the associated rates of the Haven Green 4 Year Fixed rate mortgage without notice. Customers already on the rate will keep that rate until the end of their Fixed Rate period.
- We recommend that you get independent financial advice before deciding to take the Haven Green 4 Year Fixed Rate mortgage.
- Your Broker can provide you with a specific cost of credit illustration for the various options you are interested in, which will help you decide.
- We will provide you with the Cost of Credit specific to your mortgage in your Letter of Offer. This Cost of Credit will be specific to the rate you have chosen.
— Got questions? —
Here are answers to some questions.
- Home address of the property being mortgaged
- BER Grade – A1 to B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B.
- Be dated within the last 10 years.
- Carbon Dioxide (CO2) Emissions Indicator Calculation
- A “Valid Until” Date / 'Validity' Date
From 24 May 2026, European Union (Energy Performance of Buildings) Regulations will change the scales for Building Energy Rating (BER) certificates removing sub-categories (A1,A2, A3, B1, B2, B3, C1, C2, C3, D1, D2, E1,E2 ,F,G ) and replacing them with simplified A0, A B, C, D, E, F, G ratings. The regulations also introduce a new A0 category for the most energy efficient properties. This means that any BER certificates with a 'validity' date after the 24 May 2026 will be rated AO, A, B, C, D, E, F, G.
No. If you have a valid BER certificate dated before 24 May 2026, it is still valid until expiry. BER certificates expire after 10 years.
Further information on BER certificates can be found on the Sustainable Energy Authority of Ireland (SEAI) website.
You can’t apply for the Haven green 4-year fixed rate mortgage if:
- You don’t have a BER certificate with a rating of A1 to B3, if the 'validity' date on your BER Certificate is after 24 May 2026 and your property doesn't have a rating of A0, A or B or does not meet nearly Zero Energy Building (nZEB) standards;
- The property’s BER certificate is older than 10 years;
- Your existing mortgage loan is a Buy to Let mortgage.
Before the end of your Haven Green 4-year Fixed rate mortgage term, we will send you a list of interest rates we offer at that time. You can then choose a new rate.
You can apply for the Haven Green 4-year Fixed rate again if:
- Your property’s BER certificate has a rating of A1 to B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B; 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 an interest rate, the default Standard Variable rate offered by us at that time will be applied.
Regulatory Information
Lending criteria, terms and conditions apply. Over 18s only. Security may be required.
- 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: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
- WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a Buy Now Pay Later (BNPL) agreement in the future.
- WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.