I want to get a Top Up on My Mortgage


So you are the home owner and you have your mortgage with Haven, you have decided that you need to freshen up your property. At Haven we may have a solution for you. Remember every application is different, our Haven retail intermediary will take you through the application process and will alleviate any concerns you may have.


So to help our customers to get started take a look at the typical types of documentation that we will require. Haven may seek additional information in order to fully assess your application for a credit decision please consult with your chosen Haven retail intermediary.


Haven has a nationwide network of intermediaries across the country. To begin your application today just find your Haven retail intermediary by clicking here link to intermediary page


For more information about Topping Up your Mortgage please see below

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Topping Up your Mortgage

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    How much can I borrow for my Top Up Mortgage?

    • We want to give you room to plan a lovely renovation or makeover. But there are some boundaries on how much you can borrow – your home being one of them.

    • You can apply for a minimum of €10,000. And the limit? You can apply for up to 80% of the value of your property (including your existing mortgage). We do not lend for the purchase of studio apartments valued at under €275,000.

    • Renewable energy and other energy efficient home improvements may be considered for amounts less than €10,000.

    • What you can borrow will depend on what you can comfortably afford to repay each month. As a general rule this should not exceed 35% of your disposable income, however this may vary according to your situation.

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    Interest Rates

    • Haven offers competitive interest rates from variable and fixed rate options. For additional advice on your interest options you should speak to your chosen Haven retail intermediary and they will guide you through all your available options.

    • If you decide to avail of a fixed interest rate this will remain the same during the agreed fixed rate period, while a variable rate can fluctuate. You can see a full listing of our current rates by clicking here

    • One thing to keep in mind, if you decide to avail of a fixed rate and later during the fixed term agreement you decide to switch your rate to a variable rate, a breakage cost may apply. For more information with regard to our rate offerings you should consult with your chosen Haven retail intermediary

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    Additional Information

    • Repayment term can be up to 35 years, subject to the age of borrowers

    • You will need to be over 18 and security will be required before you can obtain a mortgage

    • If your loan application has been successful you will be required to take out Mortgage Protection Cover & Home Insurance cover. These are not products that Haven offers directly but your chosen Haven retail intermediary will be able to support you through all the necessary requirements.

    • As your application progresses you will need to keep in mind costs that will arise from Valuation fees (you will need to use a valuer from the Haven Residential Mortgage Valuers panel), Legal fees, maybe a Surveyor and Stamp Duty fees. 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 www.ccpc.ie website.

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Haven Green 4 Year Fixed Rate Mortgage


A Haven Green 4 Year Fixed Rate Mortgage is available for existing customers if you are topping-up an existing mortgage. The Haven Green 4 Year Fixed Rate Mortgage features include:

  • A Lower Rate of Interest
  • 4 Year Fixed Rate Term
  • Available to existing Haven mortgage customers whose property has a certified Building Energy Rating (BER) of between A1-B3.

For more information on the Haven Green 4 Year Fixed Rate Mortgage click here.

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 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