Self-Build mortgage

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A mortgage built around your plans

If you have decided to build your own home, we’ll take the hassle out of getting the finance. Your Mortgage Broker and the Haven support team is here to help you through the process, so you have one less thing to worry about.

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 Haven 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.
  • 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.
  • As your application progresses, you will need to keep in mind costs that will arise from the €150 valuation fee (you will need to use a valuer from the Haven Residential Mortgage Valuers panel and there may be a need for further valuations as you complete the build. Second valuation fees are €65), legal fees, maybe a surveyor and Stamp Duty
  • Haven can even support its customers by releasing funds at various stages of the build.
  • Self-builders can draw down their cash in up to six stages, as your home is being built – so that you can borrow only what you need across the period of the build.
  • Additional information relating to switching lender or changing mortgage type can be found on the website.
- FAQ -

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.

You have the option to draw down your mortgage in up to six stages, as your home is being built – allowing you to borrow only what you need across the period of the build.

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.