Your Kind of Mortgage


50% off KBC Home Insurance when you take out a mortgage with KBC

 

Whatever kind of life you’re living, there's a mortgage for you. From First Time Buyers to Movers, Switchers and more. Your 2015 Mortgage package options are available now, and applying is easy.

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

Enjoy a Current Account Mortgage Discount

  • If you’re setting out on a new adventure, you should take a look at our attractive 0.20% discount on all new business mortgage rates and fixed rate roll off rates, which is available until 30th June 2015^. Find out more.
  • To avail of the extra Mortgage Discounted Rate (KBC’s prevailing new business fixed or variable rate with a discount of 0.20%), you must mandate your salary to your KBC Current Account (In an instance where a customer is self-employed, you must establish a monthly transfer to the Current Account to lodge an amount 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 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 All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products.

Existing Mortgage Customers can also enjoy this discount

  • If you are an existing residential KBC Mortgage customer, KBC is extending the 0.20% discount as an added extra to the KBC current account - please contact our Customer Services Team on 1800 93 92 44 to find out more.
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If you like simplicity, let us help guide you through one of the most important financial decisions you’ll ever make. Your first home is a happy and memorable experience and we’d like to get it off to a great start with:

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 December 2015*
  • A range of flexible mortgage options
  • Up to 90% finance
  • Up to 35 year term
  • Approval in Principle in Minutes***
  • A competitive range of fixed and variable rates

Take a look at the Irish Banking Federation First Time Buyers Guide and have a look at our  Frequently Asked Questions as they explain a lot of the terminology used and have the information you may find useful when applying for your first mortgage.

We don’t speak jargon either so why not call our mortgage team at 1800 51 52 53 (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 are looking to move to a new home, we have a range of mortgage optionss for you, with up to 90% finance and approval in principle in minutes.***

Our Mover Mortgage features include:

  • 50% off KBC Home Insurance for year one*
  • Loan to Value (LTV) based tiered rates
  • 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

Moving home can be stressful. We’re here every step of the way to help you get into your new home. Call our mortgage team at 1800 51 52 53 (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 look closely enough there are ways to potentially save thousands on your mortgage. For starters, you can get a 0.20% discount on your New Business Mortgage rates for any Switcher Mortgage application completed since 26th August 2014^. And there’s more:

  • 50% off KBC Home Insurance for year one*
  • €1,000 contribution towards legal fees**
  • Simple and straightforward switching process
  • Up to 90% finance for residential mortgages
  • Loan terms of up to 30 years
  • Approval in Principle in Minutes***
  • A range of flexible mortgage options and competitve fixed and variable rates

Find out more about 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.


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

Life may take some unexpected twists and turns from time to time, so you might like to talk to us about re-financing by unlocking some of the value that has built up in your home. We’ll 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)^^
  • Terms of 3 – 30 years
  • Mortgage advice and specialist support
  • Choice of competitive range of variable and fixed rate options
  • Option to spread your mortgage over different terms
  • Option to ‘Mix and Match’ your mortgage between fixed and variable rates

^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).

 

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 invest in the residential property market, you might like to talk to us about our wide 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

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, KBC 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 KBC shall be up to €1250 plus VAT and outlay in respect of the property over which the KBC is taking security. These costs shall be paid by the Borrower in cleared funds directly to the KBC'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.

KBC reserve the right to remove the availability of this offering for new and existing 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.

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.




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  • 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