Mortgage Rates
Haven mortgage rates
Haven offer a range of fixed and variable rates. Our fixed rates run for 1 to 5 years, 7 and 10 years, and will mean that your repayment will not change during the fixed rate period.
Our variable rates depend on the loan to value of your mortgage. This means the amount you are borrowing expressed as a percentage of the value of the property. For example, a mortgage of €100,000 against a property valued at €200,000 would give a loan to value of 50%. Variable rates can increase and decrease over the life of your mortgage.
Existing Owner Occupier mortgage customers may move to a ‘New Business’ Loan to Value (LTV) interest rate where the LTV changes sufficiently throughout the mortgage. There is more information on this option here.
The APRC or Annual Percentage Rate of Charge is the overall cost of borrowing of the loan amount. It takes account of all costs involved over the term of the loan, such as any set-up charges and the interest rate.
Haven's mortgages are subject to lending terms and conditions.
LTV means Loan to value
APRC means Annual percentage rate of charge
Cost per €1,000 for term indicated
The quoted APRC in the rate tables below are a typical APRC based on an assumed loan of €100,000 over a 20 year term.
- Variable Rate - New
- Fixed Rate - New & Existing
- Standard Variable Rate - Existing
- Top-Up Rate
Effective 15 August 2023
| LTV | Rate | APRC | 20 Years | 25 Years | 30 Years | 35 Years |
| <=50% | 3.75% | 3.9% | 5.93 | 5.14 | 4.63 | 4.28 |
| >50% <=80% | 3.95% | 4.1% | 6.03 | 5.25 | 4.75 | 4.40 |
| >80% | 4.15% | 4.3% | 6.14 | 5.36 | 4.86 | 4.52 |
| LTV interest rates are not available on Top Up loan applications. | ||||||
Effective 9th April 2024
| Term | Rate | APRC | 20 Years | 25 Years | 30 Years | 35 Years |
| 1 Year | 4.55% | 4.3% | 6.35 | 5.59 | 5.10 | 4.76 |
| 2 Year | 4.65% | 4.4% | 6.41 | 5.64 | 5.16 | 4.83 |
| 3 Year | 4.75% | 4.5% | 6.46 | 5.70 | 5.22 | 4.89 |
| Haven Green 4 Year Fixed Rate Mortgage | 3.45% | 4.0% | 5.77 | 4.98 | 4.46 | 4.10 |
| 5 Year | 4.85% | 4.6% | 6.52 | 5.76 | 5.28 | 4.95 |
| 7 Year | 5.05% | 4.9% | 6.63 | 5.88 | 5.40 | 5.08 |
| 10 Year | 5.15% | 5.0% | 6.68 | 5.93 | 5.46 | 5.14 |
Effective 15 August 2023
| Term | Rate | APRC | 20 Years | 25 Years | 30 Years | 35 Years |
| Variable | 4.15% | 4.3% | 6.14 | 5.36 | 4.86 | 4.52 |
The Variable and Fixed Rates shown below are applicable from 9th April 2024. These rates are available to existing Haven customers that are applying for a new Haven Top Up Loan.
| Rate Type | Rate | APRC | 20 Years | 25 Years | 30 Years | 35 Years |
| Variable | 4.15% | 4.3% | 6.14 | 5.36 | 4.86 | 4.52 |
| 1 Year Fixed | 4.55% | 4.3% | 6.35 | 5.59 | 5.10 | 4.76 |
| 2 Year Fixed | 4.65% | 4.4% | 6.41 | 5.64 | 5.16 | 4.83 |
| 3 Year Fixed | 4.75% | 4.5% | 6.46 | 5.70 | 5.22 | 4.89 |
| Haven Green 4 Year Fixed Rate Mortgage | 3.45% | 4.0% | 5.77 | 4.98 | 4.46 | 4.10 |
| 5 Year Fixed | 4.85% | 4.6% | 6.52 | 5.76 | 5.28 | 4.95 |
| 7 Year Fixed | 5.05% | 4.9% | 6.63 | 5.88 | 5.40 | 5.08 |
| 10 Year Fixed | 5.15% | 5.0% | 6.68 | 5.93 | 5.46 | 5.14 |
Important to Know
- If you take up a fixed rate, our tracker rate commitment to you will end and we will apply our prevailing variable rate will when this fixed term ends. Just so you know, if you take up a fixed rate, you will not get a Tracker Rate Mortgage from us in the future.
- If you want to convert your mortgage to a fixed rate and you are on a tracker rate, you will need to contact Haven on 0818 565 500 to arrange for a ‘Tracker to Fixed Conversion Declaration’. This can then be completed and submitted together with the 'Home Loan Tracker Rate Conversion Form.'
- Without the Fixed Conversion Declaration, we cannot process your request.
- If there is a change in interest rates before Haven have converted the loan rate, Haven will apply the fixed rate available at the time that the Conversion Form is received.
- As advised above, for mortgage holders switching from a Tracker Rate Mortgage, the fixed rate applied by Haven will be the fixed rate available when both the completed Conversion Form and Tracker Declaration Form are received in Haven Head Office. If there is no other fixed rate available, the applicable prevailing variable rate will apply. Haven cannot inform customers individually of changes in interest rates prior to converting their loan account.
- There could be many things that have changed since you last made the decision. Your Mortgage Broker will be happy to guide you through the best option for you.
- You can see all our current rates in the above given tables.
- And if you still can’t choose? Well, you don’t have to. You can have your cake and eat it too. For customers who are unsure of what type of rate to select, Haven provides the option of splitting the loan amount in two, so you can have both the variable interest rate on a portion of the loan and a fixed interest rate on the remaining portion of the loan.
- If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early; if you convert to a variable interest rate or if you change to another fixed interest rate you may incur an early breakage cost payable to Haven.
If you are worried about your mortgage repayments, or if you have already missed repayments, you can speak to us by calling 0818 280 280.
Alternatively, you can visit: Worried About Payments (havenmortgages.ie) You can also get help from MABS.
Money Advice and Budgeting Service
MABS provides free, confidential and independent advice to people in debt or at risk of getting into debt. For more information visit mabs.ie. You can also call the MABS National Helpline on 0818 072 000, Monday to Friday, 9:00 to 20:00.
Money Advice
and Budgeting Service www.mabs.ie.
For more information on the Haven Variable Rate Policy Statement please click here.
Regulatory Notice
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