Mortgage Options


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Whether it’s your first home, if you’re looking to move home or switch to KBC, we’re here to help you along the way. By simply using our calculator you can see how much you may be able to borrow and get your approval in principle* in minutes.

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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:

  • One year FREE KBC Home Insurance if you draw down on a residential mortgage before 31st December 2014*
  • 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.

*This offer excludes Buy to Let properties. The offer applies to residential mortgage applications that draw down between the 1st of Feb and up to and including 31st December 2014. If the KBC Home Insurance policy is cancelled before the first 12 months has expired, KBC reserves the right to request the customer to refund the balance of the premium. KBC Bank Ireland plc (“KBC”) has an exclusive agency agreement with Zurich Insurance plc (“Zurich”) for the provision of Home Insurance. KBC Home Insurance products are underwritten, administered and provided by Zurich.

**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:

  • One year FREE KBC Home Insurance if you draw down on a residential mortgage before 31st December 2014*
  • 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.

 

*This offer excludes Buy to Let properties. The offer applies to residential mortgage applications that draw down between the 1st of Feb and up to and including 31st December 2014. If the KBC Home Insurance policy is cancelled before the first 12 months has expired, KBC reserves the right to request the customer to refund the balance of the premium. KBC Bank Ireland plc (“KBC”) has an exclusive agency agreement with Zurich Insurance plc (“Zurich”) for the provision of Home Insurance. KBC Home Insurance products are underwritten, administered and provided by Zurich. 

**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.

Switch and Save!

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

Our Switcher Mortgage features include:

  • Get €1,000 towards your legal fees if you change your residential mortgage to KBC by 31st December 2014*
  • One year FREE KBC Home Insurance if you draw down on a residential mortgage before 31st December 2014**
  • Simple and straightforward switching process
  • Up to 90% finance
  • Loan terms of up to 30 years
  • Approval in Principle in Minutes***
  • A competitive range of fixed and variable rates

Potential Savings

    If you are currently on a variable rate of 4.8% and switch to KBC you could potentially save up to €127 per month and €30,000 over the term of your mortgage.****

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. 


*This offer excludes Buy to Let properties. Payment in the full amount due will be made to the customer within 30 days of the mortgage drawdown. 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. 

**This offer excludes Buy to Let properties. The offer applies to residential mortgage applications that draw down between the 1st of Feb and up to and including 31st December 2014. If the KBC Home Insurance policy is cancelled before the first 12 months has expired, KBC reserves the right to request the customer to refund the balance of the premium. KBC Bank Ireland plc (“KBC”) has an exclusive agency agreement with Zurich Insurance plc (“Zurich”) for the provision of Home Insurance. KBC Home Insurance products are underwritten, administered and provided by Zurich. 

*** 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.


****Calculations based on <60% Loan to Value (LTV) mortgage of €250,000 @ KBC’s new business variable rate of 3.85% over a remaining term of 20 years.


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

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:

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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