Mortgage Options


Switch your mortgage to KBC

 

Our 2015 Mortgage Package for First Time Buyers, Movers and Switchers (New Residential Mortgages Only) includes:

  • 50% off KBC Home Insurance for year one – Available to new residential mortgages i.e First Time Buyers, Movers and Switchers until 31st March 2015*.
  • €1000 contribution towards legal fees available to 31st December, 2015 – Switchers Only**.
  • Competitive suite of New Business Fixed and Variable Mortgage Rates.

Current Account Mortgage Discount

  • Our attractive KBC Current Account 0.20% discount on all new business mortgage rates and fixed rate roll off rates – available to 30th June, 2015^. (More details can be found in the important information section below). As a Current Account customer you can avail of our Saver Bonus Offer and our Loan Bonus Offer.
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Buying your first home is one of the most important financial decisions you'll ever make. With KBC’s long history of mortgage provision in Ireland, we have the experience to guide you every step of the way.

Our job is to make the whole process as simple and hassle free as possible so that the purchase of your first home is a happy and memorable experience.

Our First Time Buyer Mortgage features include:

  • 50% off KBC Home Insurance for year one – Available for new residential mortgages i.e. First Time Buyers, Movers and Switchers available to 31st March 2015*
  • Up to 90% finance
  • Up to 35 year term
  • Approval in Principle in Minutes***
  • A competitive range of fixed and variable rates
  • A range of flexible mortgage options

Click here for a copy of the Irish Banking Federation First Time Buyers Guide or have a look at our  Frequently Asked Questions. These will explain a lot of the terminology used and gives you information you may find useful when applying for your first mortgage.

For jargon free, helpful and concise information about your first mortgage, talk to one of our mortgage consultants today at 1800 51 52 53 our lines are now open from 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays.

KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.

If you’re looking to move to a new home, we have the mortgage options to suit you. With Loan to Value (LTV) based tiered rates and a comprehensive range of mover options, KBC is well placed to cater for your next big move.

Our Mover Mortgage features include:

  • 50% off KBC Home Insurance for year one – Available for new residential mortgages i.e. First Time Buyers, Movers and Switchers available to 31st March 2015*
  • Up to 90% finance
  • Loan terms of up to 35 years
  • Approval in Principle in Minutes***
  • A competitive range of fixed and variable rates
  • A range of flexible mortgage options

Our mortgage consultants will help you through the process; our goal is to be your partner, guiding you along every step of the way. Talk to one of our mortgage consultants today at 1800 51 52 53 our lines are now open from 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays.

KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.

Change your mortgage to KBC, and you could stand to save thousands as demonstrated by the illustrative examples below. Find out here about the many benefits of changing your mortgage to KBC.

Our Switcher Mortgage features include:

  • 50% off KBC Home Insurance for year one – Available for new residential mortgages i.e. First Time Buyers, Movers and Switchers available to 31st March 2015*
  • €1,000 contribution towards legal fees available to 31st December 2015 - Switchers only**
  • Simple and straightforward switching process
  • Up to 90% finance for residential mortgages, lower thresholds may be applied for investment properties.
  • Loan terms of up to 30 years
  • Approval in Principle in Minutes***
  • A competitive range of fixed and variable rates
  • A range of flexible mortgage options

Potential Savings

As an added extra on your KBC Current Account we're offering a 0.20% discount on our KBC New Business Mortgage rates for any new First Time Buyer, Mover or Switcher Mortgage applications (completed since 26th August 2014^). Find out more on our Current Account Discount and view our Discounted Rates.

^KBC reserves the right to remove the availability of this offering for new business customers at any time in the future. This will not affect existing customers who have already availed of the discounted Current Account Mortgage Rate.

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So what are you waiting for? Availing of our simple and hassle free switching process now, could allow you to spend your hard earned money on the things that are really important to you.

Talk to one of our mortgage consultants today at 1800 51 52 53, our lines are now open from 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays.



KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.

Life has a way of throwing up the unexpected but KBC can help. Talk to us if you are looking to re-finance. Unlocking some of the value that has built up in your home can be a good way of doing this.

As a KBC customer you may be able to avail of a top-up loan. This enables you to borrow money at mortgage rates of interest by releasing a portion of the equity in your home.

We will guide you through the entire process but the key features of this type of finance are:

  • Up to 80% finance (of the value of your property)^^
  • Minimum loan €10,000
  • Minimum term  of 3 years
  • Maximum term of 30 years
  • Mortgage advice and support
  • Choice of competitive range of variable and fixed rate options
  • Range of flexible repayment options

-        Spread your mortgage over different terms

-        “Mix and Match” your mortgage rate between fixed and variable options

^^The overall loan facilities secured on property, inclusive of the Top Up, must not exceed 80% of the property value;

- For home improvements with structural works the property value is taken as the post works completed value.

- For home improvements with non-structural works the property value is taken as the current property value.

The Top Up facility itself is limited to 90% of the cost of all home improvement works (80% in some cases).

What is Equity?

    In the context of property, equity is the difference between what a home is valued at and the outstanding mortgage debt that you owe.

For more information talk to one of our mortgage consultants today at 1800 51 52 53 our lines are now open from 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays or click here to Contact Us

KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.

If you are looking to invest in the residential property market and the increasing demand for good quality rental accommodation, KBC is here to help. We provide a competitive range of Buy to Let mortgages, available to both KBC and non KBC customers.

Our Residential Buy to Let Mortgage Features include:

  • Up to 70% finance
  • Loan terms of up to 25 years
  • Fixed and Variable Rate Options available

Our mortgage consultants will help you through the process; our goal is to be your partner, guiding you along every step of the way. Talk to one of our mortgage consultants today at 1800 51 52 53, our lines are now open from 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays

KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.

 

Where the purpose of the loan is to Purchase or Remortgage a property that is not intended for use as a family home, where the amount of the loan is more than €75,000 and does not exceed €1,500,000 ,KBCI will appoint one of it Panel Solicitors to act on its behalf and liaise with the borrowers and their Solicitor directly. The legal costs of KBCI shall be up to EUR1250 plus VAT and outlay in respect of the property over which the KBCI is taking security. These costs shall be paid by the Borrower in cleared funds directly to the KBCI's solicitor on closing.


Important Information

*Offer only applies in the first year and excludes Buy to Let (BTLs) properties. Refund equal to the balance of the premium may be sought if the home insurance policy is cancelled within 12 months. KBC Home Insurance products are exclusively underwritten, administered and provided by Zurich Insurance plc, subject to Zurich Insurance underwriting terms and conditions.

**Payment of the full amount due will be made by electronic transfer to the customers’ mortgage paying account within 30 days of mortgage draw down. If the mortgage is redeemed within 3 years of drawdown, KBC reserve the right to claw back all or a portion of the €1000 paid. Offer excludes BTLs.

*** Approval in Principle in Minutes is an indication of the loan amount you may qualify for based on the information you provide to us and is not an official loan offer.

^You must mandate your salary to your KBC Current Account (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment). You must also pay your new KBC Mortgage by Direct Debit from your KBC Current Account. If you cease to meet one and/or both of the aforementioned conditions, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply. All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products.

Lending criteria, terms and conditions apply. Security and insurance are required. The maximum mortgage is 90% of the property value. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.




IMPORTANT:

Before entering this site please take time to read our Terms and Conditions and Privacy Policy. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy.

  • KBC Bank Ireland plc is regulated by the Central Bank of Ireland
  • Registered in the Republic of Ireland. Number 40537
  • Registered Office: Sandwith Street, Dublin 2, Ireland