Start your journey by choosing your intermediary
Why Choose Haven?
Why do I need a mortgage intermediary?
Buying a house can be tough. For instance, did you know the mortgage process can take up to 60 hours? That's a lot of work – and that's why it's a good idea to let a professional intermediary take the weight off your shoulders.
A mortgage intermediary is essentially a middle-man for the mortgage process – a little like the wholesaler in the retail industry. Your intermediary will have access to a wide range of lenders and will help you choose the most suitable one for your situation.
It is their job to make your mortgage process hassle-free, undertaking tasks such as liaising with the lender and all other legal parties. They will be there every step of the way to give professional advice and to help you out with any big (or small!) queries you might have along the way.
We offer a Haven Green 4 Year Fixed Rate Mortgage for new and existing customers. You can choose it if you are first time buyers of a home, moving to a new home, buying a holiday home, topping-up an existing mortgage, switching a mortgage to us, or moving to a different fixed rate and if your property has a BER Rating of A1- B3. For more information click here.
Customers who switch their mortgage to Haven and take a Haven mortgage (including the Haven Green 4 Year Fixed Rate Mortgage) will receive a €2,000 cash offer towards legal costs (subject to criteria). For more information click here.
We also offer first time buyers, movers (including those who have an existing Haven mortgage), switchers (including where additional money above the existing mortgage is required) and negative equity movers (the negative equity mortgage must be an existing Haven mortgage) the Haven €5,000 Cashback offer on fixed rate mortgages of €250,000 or more.
The terms and conditions of the Haven €5,000 Cashback have been updated and this offer is no longer available on every fixed rate. The Haven €5,000 Cashback is not available on the Haven Green 4 Year Fixed Rate Mortgage. For more information on the Terms and Conditions see here.
A source of information
Intermediaries have access to a wide range of lender rates at their fingertips. This means they can advise you on the best lender for your situation. And if you're not ready to apply, they will certainly give you the heads up and will even help you get organised for the future.
Call in the experts
Intermediaries are experts in their field and have years of experience managing mortgages on behalf of their clients, and this will speed up the whole process.
For example, your intermediary will fill out your mortgage forms and handle the finer details with practised skill, as they will know what the lenders are looking for and can explain away any uncertainties.
Peace of mind
Cross-checking legal documents can be tedious, and if you're juggling other daily tasks you may miss a vital piece of information or step. A mortgage intermediary can ensure everything is covered and ticked-off from start to finish.
The final stages of the application are usually the most nail-biting, so it's good to know that your intermediary will be on standby, making sure that the loan offer is finalised and all terms have been met.
A back-bone of support
Your intermediary is your trusted confidant at all stages of your mortgage journey. At the beginning, they will talk you through the whole process so you know exactly what's ahead of you. Throughout the rest of your journey, you may have some doubts or less-than-common requests – and that's just fine.
Your intermediary will be well accustomed to handling any mortgage query, no matter how big, small or obscure, and will be a much-needed source of reassurance.
The hard work is done
Getting a mortgage can be time consuming. Your intermediary will manage this process from start to finish – so you don't have to worry about handling any paperwork or getting admin head-aches. As Haven process mortgage applications through Mortgage Intermediaries, we do not have a home loan mortgage application form however, your mortgage intermediary will let you know what information is required in support of your mortgage application. In addition to this your Mortgage Intermediary will gather the required information as set out in "Your Haven Mortgage" checklist and will your submit your application to Haven using the Haven Declarations, authorisations & consents form.
At the beginning, an intermediary will assess your situation and will do depth research into the market. Further down the line, you can rely on an intermediary to keep the process moving and to keep communication lines open, so you can avoid running to the post office or making calls during your lunch hour. And after your intermediary has received your mortgage approval in principle, they will liaise with the lender, the lender's valuer and your solicitor.
Points to note
Intermediaries are regulated by the Central Bank of Ireland.
All sales enquiries are managed by your chosen Haven Retail Intermediary.
Haven provides the credit facility under the rules and guidelines of the Central Bank of Ireland.