Green 4 Year Fixed Rate Mortgage

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Lower rate of interest for higher energy rated homes

Haven offers customers a lower rate of interest for going green if you are buying, moving to, or building a high energy-rated home. Our Green 4-year Fixed Rate mortgage offers a lower rate of interest for homes with a certified Building Energy Rating (BER)  between A1-B3.

Haven green mortgage brochure

Easy, clear application process

Who is it for?

Available to customers who are either a First Time Buyer, Movers, Switcher, buying a holiday home, topping-up on an existing mortgage, or moving to a different Fixed rate.

What you need

A valid BER certificate with a rating dated in the last ten years between A1 and B3.

Apply

Complete the Home Loan Interest Rate Application Form and forward this with a copy of your BER certificate via post to

 10 Molesworth Street Dublin 2, D02 R126 

or email to info@havenmortgages.ie

Additional information

  • Our existing mortgage customers can apply for the green 4-year fixed rate mortgage if there is at least four years remaining on your current Haven mortgage.
  • If you are on an existing Haven Fixed rate, an early breakage charge may apply.
  • For more information on the Haven Green 4-year fixed rate mortgage including examples of cost of credit and early breakage charges, talk to your Mortgage Broker or please visit.
  • There may be costs associated with obtaining a BER Certificate. Please refer to www.seai.ie for further information.

— Got questions? —

Here are answers to some questions.

  • Home address of the property being mortgaged
  • BER Grade – A1 to B3
  • Be dated within the last 10 years.

You can’t apply for the Haven green 4-year fixed rate mortgage if:

  • You are a self-build mortgage customer still receiving stage payments;
  • You don’t have a BER certificate with a rating of A1 toB3;
  • The property’s BER certificate is older than 10 years;
  • Your existing mortgage loan is a Buy to Let mortgage.

Before the end of your Haven Green 4-year Fixed rate mortgage term, we will send you a list of interest rates we offer at that time. You can then choose a new rate.

You can apply for the Haven Green 4-year Fixed rate again if:

  • Your property’s BER certificate has a rating of A1 toB3; and
  • You have a BER certificate dated within 10 years; and
  • The Haven green 4-year fixed rate is still available

If you do not select an interest rate, the default Variable rate at that time will be applied.

MORE QUESTIONS AND ANSWERS
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 entire amount that you have borrowed will still be outstanding at the end of the interest-only period.