Haven offer a range of fixed and variable rates. Our fixed rates run for 1 to 5 years, 7 and 10 years, and 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 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.