I’m thinking about getting a top-up mortgage.


You have the house. You have a Haven mortgage. Now you may need a loan to help with things like home improvements or to help a loved one get onto the property ladder.


If the current balance of your Haven mortgage is less than the current value of your home you may be able to borrow for these purposes and more, through an additional mortgage on your home.

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Topping Up your Mortgage

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    What can I use a top-up mortgage for?

    With a top-up mortgage from Haven the equity in your home can be used for:

    • Home improvements
    • Support for family buying a home of their own
    • Inheritance tax on a property
    • Separation agreement payment

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    Features and benefits of a top-up mortgage:

    • Some things in life cost more than others. With a Haven top-up mortgage you can borrow from a minimum of €10,000. The maximum depends on the value of your home, what you can afford to comfortably repay each month, and what you plan to do with the money.
    • Choose a term of up to 35 years (or maximum 68 years of age).
    • It is an additional mortgage loan to the one you have so it can have a different interest rate and be paid back over a different time period.
    • Choose from competitive fixed, variable or green mortgage rates. Your Mortgage Intermediary will be happy to guide you through the best option for you.

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    Things to keep in mind:

    • You may remember from your first mortgage that you needed documents to support your mortgage application. The same goes for a top-up mortgage. This means that you need to fill in a Top-Up Application Form and give it to your Mortgage Intermediary with documents like your payslips, proof of ID and expenses. Although you already have a mortgage with us, we still need to ensure that you can meet the additional repayments.
    • Because the top-up mortgage loan is borrowed against the equity of your home, you'll need to have your home valued by a Haven Residential Mortgage Valuer. There is a cost to you of €150 for the initial valuation and €65 for any valuations needed thereafter. Your Mortgage Intermediary can arrange this for you and can confirm at what stage of your application this is needed.
    • You may have to pay fees to the Mortgage Intermediary for their services.
    • You will need a solicitor to witness documents such as the Letter of Offer and the Family Home Declaration.
    • Your life assurance may be affected. You should contact your insurers to check if the additional loan amount affects your existing cover. These are not products that Haven offers directly but your chosen Mortgage Intermediary will be able to support you through all the necessary requirements.
    • If you are planning home improvements you should let your home insurance provider know. If you need to move out of your home while the home improvement work is carried out additional insurance may be required to make sure your home is fully protected.
    • As with your first mortgage, we recommend you get independent legal advice.

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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.
  • If you are using your top-up mortgage for home improvements which bring your BER up to a B3 or higher, then you can apply for this rate once the work is completed and you have received your BER certificate.
  • For more information on the Haven Green 4 Year Fixed Rate Mortgage click here.


Haven has appointed Mortgage Intermediaries across the country. To begin your application today find a Haven Mortgage Intermediary by clicking 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