Moving Home

Find A Broker

Next move for you and your family

It might have been some time since you took your first mortgage out. At Haven, your Mortgage Broker will help you through the application process.

Getting a mortgage in just four steps

Starting off

Meet your Broker, and they will explain the whole mortgage process in detail.


Your Broker will help you complete the paperwork.

Approval in Principle

Once the Broker sends us the paperwork, we aim to give you mortgage approval in principle.

Loan approval

Once we accept the property and valuation, we will carry out a full loan assessment. If everything checks out, we’ll send you and your solicitor a Letter of Offer.

Keys to your home

Your Broker and Solicitor will help to ensure everything is signed off and there’s no delays in getting the keys to your new home.

€5,000 Cashback

Haven is offering customers €5,000 cashback.

Click here for details

Green 4-Year Fixed Rate Mortgage

Our Green 4-year Fixed Rate mortgage supports customers by offering a lower rate of interest for all A1 to B3 energy rated homes.

Find out more

Variable or Fixed interest rates

We have competitive interest rates with Variable and Fixed rate options.

Need help deciding?

Additional information

  • Repayment term up to 35 years, depending on your age.
  • You must be over 18 to apply.
  • A mortgage must be secured on the property.
  • 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 of our Cashback offer, see here.
  • If you take up a mortgage loan with us, you will need to have Mortgage Protection cover and Home Insurance cover. Your Broker can help you with these.
  • There are costs that will arise from the €150Valuation fees (you will need to use a valuer from the Haven Residential Mortgage Valuers panel), legal fees, maybe a surveyor and Stamp Duty. Also remember possible repairs and decoration costs on your new home.
  • Additional information relating to switching lender or changing mortgage type can be found on the website.

Perks of having a Mortgage Broker

Mortgage Brokers make your mortgage process hassle-free. They will be there every step of the way to give professional advice and to help you out with any big (or small!) queries you have along the way.

Find out more

— Got questions? —

Here are answers to some questions.

Every application is different, so to help you, you’ll find some of the typical documents that we need here. There may be others that we need, but we will tell you as they come up.

  • For Next Time Buyers can borrow a maximum of up to 90% of the value of the property (this percentage is known as the LTV, or Loan to Value of your home). The other 10% difference would be your deposit which you may have from savings or equity from the sale of your previous property.
  • Up to 80% loan to value is available for a studio apartment valued at €275,000 or above, or a one-bedroom property. We do not lend for studio apartments valued at under €275,000.

The amount you can borrow depends on what you can comfortably afford to repay monthly, this typically not more than 35% of your disposable income. As a general rule, you can borrow up to four times your income, but it really depends on your overall financial commitments.

The Haven Green 4-year fixed rate mortgage features include:

  • 4-year fixed rate term
  • A lower rate of interest for new and existing Haven mortgage customers whose property has a certified Building Energy Rating (BER) of between A1-B3.
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: 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.