Top Up Mortgage

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Borrow against the equity in your home

You have a house, and the mortgage is with us. If you need a loan to help with things like home improvements or to help a loved one get onto the property ladder, we can help.

If what you owe on your Haven mortgage is less than the market value of your house, you might be able to borrow more e by taking out an additional mortgage on it.

What can a top-up mortgage be used for?

Home improvements

Support for family buying a home of their own

Inheritance tax on a property

Separation agreement payment

Green 4-Year Fixed Rate Mortgage

Our Haven Green 4 Year Fixed Rate Mortgage offers a lower rate of interest for all A1 to B3 energy rated homes.

Find out more

Features and benefits of a top-up mortgage

  • A Haven Top-Up mortgage has a minimum loan amount of €10,000. The upper limit is determined by the value of your house, how much you can easily pay off each month, and what you intend 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 interest rates. Your Mortgage Broker will be happy to guide you through the best option for you.

Points to consider

  • Fill in a Top-Up Application Form and give it to your mortgage Broker with documents like your payslips, proof of ID and expenses just as you did for your first mortgage. Although you already have a mortgage with us, we still need to ensure that you can meet the additional repayments.

— Got questions? —

Here are answers to some questions you may have.

With a Haven top-up mortgage, you can borrow 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.

You can choose a term of up to 35 years (or maximum 68 years of age).

The Top-Up mortgage is an additional mortgage to the one you have, so it can have a different interest rate and be paid back over a different time period.

If you are planning for 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.

  • You must have your house evaluated by a Haven Residential Mortgage Valuer as the Top-Up mortgage loan is secured by the equity of your home. You will be charged €150 for the initial valuation and €65 for any additional valuations that are required. This can be arranged for you by your Mortgage Broker, who can also confirm when it is required in the application process.
  • You may have to pay fees to the mortgage broker for their services.
  • Documents like the family home declaration and the letter of offer must be witnessed by a solicitor.
  • Your Life Assurance may be affected. To find out if the new loan amount will influence your current coverage, get in touch with your Insurance provider. Haven does not directly offer these products, but your chosen Mortgage Broker will be able to assist you in meeting all requirements.
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