Switch your mortgage to Haven

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Save money by switching to Haven

Once you’ve made the switch to Haven, we’ll pay you €2,000 directly to the current account you use to pay your mortgage. Your Mortgage Broker can help you through each step of the process.

The switcher mortgage process

Starting off

Make an appointment to talk to your Broker who will take you through switching process and will help you complete the paperwork.


Your Broker will help you complete the paperwork.

Approval in Principle

Once the Broker sends us the paperwork, we’ll tell you exactly how much you can borrow, that is Approval in Principle, and it is valid for six months.


Your house will be valued by an approved valuer from the Haven Residential Mortgage Valuers Panel. You have to pay for this valuation, which costs €150.

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.

€5,000 Cashback

Haven is offering €5,000 cashback to customers who take out a new fixed rate mortgage with us where the fixed rate portion of the loan is €250,000 or more (Green 4 Year Fixed rate mortgages are excluded from this offer). Customers who switch a mortgage to us which doesn’t attract the €5,000 cashback can apply for the €2,000 switcher offer

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?

More 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.
  • If you take up a mortgage loan with us, you will need to have Mortgage Protection cover and Home Insurance cover. Your Mortgage Broker can help you with these.
  • There are costs that will arise from Valuation fees (€150) , legal fees, maybe a surveyor and Stamp Duty. Also remember possible repairs and decoration costs on your new home.
  • Competitive interest rates including Variable relative to your Loan to Value (LTV) and Fixed rates.
  • For customers who are unsure of what type of interest rate to select, Haven provides the option of splitting the loan amount in two, so you can have both the variable interest rate on a portion of the loan and a fixed interest rate on the remaining portion of the loan.
  • Up to 90%* Loan to Value on switcher mortgages is available with 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 of studio apartments valued at under €275,000.
  • Your mortgage repayments must not be in arrears, or in negative equity (when the balance of your current mortgage is greater than the current market value of your property).
  • Additional information relating to switching lender or changing mortgage type can be found on the www.ccpc.ie website

*90% LTV available where no additional funds on top of existing mortgage balance are sought.

- FAQ -

Got questions?

Here are answers to some questions.

A ‘Switcher’ Mortgage is one where Haven is re-financing or taking over an existing mortgage borrowing from another lending institution, so you can switch your mortgage without switching home.

Switch your mortgage to Haven and we’ll pay you €2,000 to cover your costs. If you’re thinking of switching your home mortgage from your current provider, your Mortgage Broker would be delighted to talk to you about a Haven mortgage.

Customers who switch their mortgage to Haven cannot have both the Haven €2,000 switcher offer and the Haven €5,000 cashback offer. If customers do not qualify for the Haven €5,000 cashback offer, they will need to complete the relevant application form to apply for the Haven €2,000 switcher Offer. You should contact your Broker for more information on this offer.

  • Up to 90% loan to value is available on a switcher mortgage.
  • 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 the purchase of 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.
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 payment rates on this housing loan may be adjusted by the lender from time to time.*
  • *Applies to variable rate loans only