Mortgage Top-Ups
Life has a way of throwing up the unexpected but KBC Bank Ireland 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 Bank Ireland customer you can 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 some of the key advantages of this type of finance are:
- Up to 80% finance (of the value of your property)
- Minimum loan €10,000
- Minimum term - 3 years
- Opportunity to ‘mix and match’ the term of your loan*
- Opportunity to ‘mix and match’ your mortgage rate between fixed and variable
*Spread your loan over different terms.
For more information talk to one of our mortgage consultants today at 1800 27 28 29 or click here to Contact Us
Important Information
CONSUMER PROTECTION CODE 2012
EFFECT OF MISSING REPAYMENTS
WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.
TRACKER INTEREST RATE
WARNING: IF YOU SWITCH TO AN ALTERNATIVE INTEREST RATE YOU WILL NOT BE CONTRACTUALLY ENTITLED TO GO BACK ONTO A TRACKER INTEREST RATE IN THE FUTURE.
RESIDENTIAL MORTGAGE
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.
VARIABLE RATE MORTGAGE
WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.
DEBT CONSOLIDATION MORTGAGE
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.
FIXED RATE LOAN
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY.
INTEREST ONLY MORTGAGE
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST-ONLY PERIOD.
PERSONAL LENDING
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 IN THE FUTURE.
CONSUMER CREDIT ACT 1995
HOUSING LOAN
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
VARIABLE RATE LOANS
THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
ENDOWMENT LOANS
WARNING: THERE IS NO GUARANTEE THAT THE PROCEEDS OF THE INSURANCE POLICY WILL BE SUFFICIENT TO REPAY THE LOAN IN FULL WHEN IT BECOMES DUE FOR REPAYMENT. THE EARLY SURRENDER OF AN ENDOWMENT POLICY IN RESPECT OF AN ENDOWMENT LOAN MAY YIELD A LOWER RETURN TO THE BORROWER THAN THAT PAID IN PREMIA AND OTHER CHARGES.
