Mortgage Options


Switch Countdown 2 Weeks

€1000 towards your legal fees offer ends 31st December 2014 – Apply now to switch your mortgage to KBC!

Revised_Mortgage_Infographic

We are Approving 8/10 Mortgage Applications^


^8/10 Approvals - “Based on application underwritten from 01/01/2014 – 13/03/2014

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:

  • 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.

 

*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.


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 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:

  • 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.

*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.

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:

  • 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

C Potential Savings Image 1

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.

C Potential Savings Image 2

  • 0.20% discount on the prevailing new business mortgage rates. Terms and Conditions apply, your salary must be mandated to the KBC current account and your monthly direct debit payment on your new KBC mortgage payment must be made from the KBC Current Account.
  • If you cease mandating your salary to your KBC Current Account and/or paying your KBC mortgage by Direct Debit from your KBC Current Account, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply, and can't be reapplied. All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products.
  • Please refer to the Current Account Terms and Conditions and Fees Booklet. Please note there are no additional fees applicable for the 'Optional Current Account Mortgage Rate' however there are fees and charges applicable in connection with a mortgage account, details of which will be set out in the Letter of Offer and KBC General Homeloan Conditions that will be issued to you subject to mortgage approval. In order to avail of this offer you will need to fill out an Optional Current Account Mortgage Rate Form. Further details on this offer, including the conditions attached thereto can be found here.

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.


* 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.


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.

Don't Forget

    The announcement of the Home Renovation Incentive Scheme in the recent  Budget 2014.

    With KBC, depending on your own particular needs, you can apply for a Mortgage Top Up (Equity Release) to cover the cost of your renovation work.

    See www.revenue.ie for more information


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.


Disclaimers

^8/10 Approvals - “Based on application underwritten from 01/01/2014 – 13/03/2014




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