Note: If you or your dependants intend to use the property as a principal place of residence, you must show evidence of mortgage protection insurance, unless you are exempt under the Consumer Credit Act 1995. Maximum loan to value of Owner Occupier Residential Properties - 90% of purchase price or valuation whichever is lower. Lending levels are subject to monthly repayment burden, typically not exceeding c. 35% of borrowers disposable income and will vary according to individual circumstances. Loan requests considered on the basis of proof of income, financial status and demonstrated repayment capacity (including capacity to repay at higher interest rates). Loans not available to people under 18. Mortgage loans require to be secured by a mortgage and charge on the subject property. A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with LTV greater than 80% will have a variable interest rate of 3.50% and APR 3.6%, and 240 monthly repayments of €579.96. If the APR does not vary during the term of the mortgage, the total cost of credit i.e. the total amount repayable less the amount of the loan would be €39,405.33 (inclusive of valuation report fees of €215). The total amount repayable would be €139,405.33. The effect of a 1% increase in interest rates for such a mortgage will add €52.69 to the monthly repayments. To assess the value of your property and make sure that it offers suitable security for your mortgage loan, you will need to send us a valuation report on it. This valuation report will cost you €150.00 and must be in our standard form and undertaken by a valuer from our Residential Mortgage Valuer’s Panel. If the valuation of the property is undertaken more than four months before the requested date of drawdown of the mortgage loan or of the final stage payment, we will require an up to date valuation of the property, in our standard form, before drawdown can take place; this will cost you €65.00. Lending criteria, terms and conditions will apply. Haven Mortgages Limited (trading as Haven) is regulated by the Central Bank of Ireland.