Mortgage Rates

Haven offer a range of fixed and variable rates. Our fixed rate products run for periods of 1 to 5 years, 7 and 10 years, will mean that your repayment will not change during the fixed rate period.

 

Our variable rates depend on the loan to value of your mortgage. This means the amount you are borrowing expressed as a percentage of the value of the property. For example, a mortgage of €100,000 against a property valued at €200,000 would give a loan to value of 50%. Variable rates can increase and decrease over the life of your mortgage.

 

Existing Owner Occupier mortgage customers may be eligible to move to a ‘New Business’ Loan to Value (LTV) interest rate where the LTV changes sufficiently throughout the mortgage. There is more information on this option here.

 

The APRC or Annual Percentage Rate of Charge is the overall cost of borrowing of the loan amount. It takes account of all costs involved over the term of the loan, such as any set-up charges and the interest rate.


Haven's mortgages are subject to lending terms and conditions.

 

LTV means Loan to value
APRC means Annual percentage rate of charge
Cost per €1,000 for term indicated

 

The quoted APRC in the rate tables below are a typical APRC based on an assumed loan of €100,000 over a 20 year term.

 

Variable Rates - New Business Homeloan - Effective 18th May 2023
LTV Rate APRC 20 Years 25 Years 30 Years 35 Years
<=50% 3.10% 3.2% 5.60 4.79 4.27 3.90
>50% <=80% 3.30% 3.4% 5.70 4.90 4.38 4.02
>80% 3.50% 3.6% 5.80 5.01 4.49 4.13
LTV interest rates are not available on Top Up loan applications.

 


LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3
LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80 3.1 3.2 3.3

 

LTV Rate

 

Fixed Rates - New & Existing Business Homeloan - Effective 3rd February 2023
Term Rate APRC 20 Years 25 Years 30 Years 35 Years
1 Year 4.40% 3.7% 6.27 5.50 5.01 4.67
2 Year 4.40% 3.8% 6.27 5.50 5.01 4.67
3 Year 4.10% 3.8% 6.11 5.33 4.83 4.49
Haven Green 4 Year Fixed Rate Mortgage 3.65% 3.7% 5.88 5.09 4.57 4.22
5 Year 4.20% 4.0% 6.17 5.39 4.89 4.55
7 Year 4.40% 4.2% 6.27 5.50 5.01 4.67
10 Year 4.60% 4.3% 6.38 5.62 5.13 4.79

 


LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3
LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80 3.1 3.2 3.3

 

LTV Rate

 

Standard Variable - Existing Business Homeloan - Effective 18th May 2023
Term Rate APRC 20 Years 25 Years 30 Years 35 Years
Variable 3.50% 3.6% 5.80 5.01 4.49 4.13

 


LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3
LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80 3.1 3.2 3.3

 

LTV Rate

Top Up Loan Interest Rates

 

The Variable and Fixed Rates shown below are applicable from 18th May 2023. These rates are available to existing Haven customers that are applying for a new Haven Top Up Loan

 

Top-Up Rates - Effective 18th May 2023
Rate Type Rate APRC 20 Years 25 Years 30 Years 35 Years
Variable 3.50% 3.6% 5.80 5.01 4.49 4.13
1 Year 4.40% 3.7% 6.27 5.50 5.01 4.67
2 Year 4.40% 3.8% 6.27 5.50 5.01 4.67
3 Year 4.10% 3.8% 6.11 5.33 4.83 4.49
Haven Green 4 Year Fixed Rate Mortgage 3.65% 3.7% 5.88 5.09 4.57 4.22
5 Year 4.20% 4.0% 6.17 5.39 4.89 4.55
7 Year 4.40% 4.2% 6.27 5.50 5.01 4.67
10 Year 4.60% 4.3% 6.38 5.62 5.13 4.79

 


LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3

LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80
 3.1 3.2 3.3
LTV Rate APRC 20 Years* 25 Years* 30 Years* 35 Years*
<=50% 3.10% 3.2% 5.60 1.1 1.2 1.3
>50% <=80% 3.30% 3.4% 5.70 2.1 2.2 2.3
>80% 3.50% 3.6% 5.80 3.1 3.2 3.3

 

LTV Rate

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Important to know

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    I'm a Tracker Rate Mortgage Holder

    • If you avail of a fixed rate, our tracker rate commitment to you is deemed to be at an end and the lender’s prevailing variable rate will apply on expiry of this fixed term. Just so you’re in the know, if you avail of a fixed rate, you will lose the ability to avail of a Tracker Rate Mortgage in the future.
    • If you wish to convert your mortgage to a fixed rate and you are on a tracker rate, you will need to contact Haven on 0818 565 500 to arrange for a ‘Tracker to Fixed Conversion Declaration’. This can then be completed and submitted together with the 'Home Loan Tracker Rate Conversion Form.'
    • Take note, if the tracker to Fixed Conversion Declaration is not completed, your request to convert your mortgage account to an existing business fixed rate will not be processed

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    A Final Note on Interest Rate Conversion

    • If there is a change in interest rates before Haven have converted the loan rate, Haven will apply the fixed rate available at the time that the Conversion Form is received.
    • As advised above, for mortgage holders switching from a Tracker Rate Mortgage, the fixed rate applied by Haven will be the fixed rate available when both the completed Conversion Form and Tracker Declaration Form are received in Haven Head Office. If there is no other fixed rate available, the applicable prevailing variable rate will apply. Haven cannot inform customers individually of changes in interest rates prior to converting their loan account.

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    Fixed or Variable?

    • You will be well acquainted with fixed or variable rates already, which you pay on your mortgage. But there could be many things that have changed since you last made the decision. Your intermediary will be happy to guide you through the best option for you.
    • You can see a full listing of our current rates here.
    • And if you still can’t choose? Well, you don’t have to. You can have your cake and eat it too. For customers who are unsure of what type of rate to select, Haven provide the option of splitting the loan amount in two, so you can avail of both the variable interest rate on a portion of the loan and a fixed interest rate on the remaining portion of the loan.
    • If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early breakage cost payable to Haven.

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For more information on the Haven Variable Rate Policy Statement please click here.

Regulatory Notice

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, a hire- purchase agreement, a consumer-hire agreement or a 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.