How much can I borrow?
*Home purchase is a family home purchase by a first time buyer or mover.
This mortgage calculator is only applicable for loans in respect of your principle private dwelling and is not applicable for residential investment property loans or topups. The mortgage calculator allows you to calculate repayments or estimate the likely extent of any loan which may be available to you, please note that such quotation is for illustrative and guidance purposes only, is non-binding and is subject to change. It is neither an approval in principle nor an offer of a loan. No quotation or estimate shall be capable of acceptance unless and until it is contained in a formal letter of offer issued by KBC Bank Ireland and signed by both KBC Bank Ireland and the customer. All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question. Rates are provided for information purposes only. They do not form part of an advertisement.
The 'How much can I borrow' quotation assumes the maximum Mortgage Tax Relief at Source (TRS) allowable under Budget 2010, that the property is located in an area that qualifies for maximum Loan to Value (LTV) and the applicant is employed in the private sector. Individual circumstances may differ and this could impact on the maximum loan amount that can be borrowed.
The repayment results calculated are based on current offered rates for Mortgages. Any repayment estimates provided by our 'What will my repayment be' calculator shall be exclusive of any payment protection premium payable and TRS receivable. The rates quoted are effective from 2nd December 2013. General Information/Terms and Conditions
KBC Bank Ireland plc is regulated by the Central Bank of Ireland
Lending criteria Terms and Conditions apply. Security and insurance are required. The maximum mortgage is 90% of the property value. As a general rule, loan amounts are subject to monthly repayments of up to a maximum of 50% of disposable income and will vary according to individual circumstances. A typical variable mortgage rate of €100,000 over 20 years costs €633 per month (Annual Percentage Rate (APR) 4.59%) excluding insurance. The cost of your monthly repayments may increase. A 1% rise will increase this repayment to €688 (Annual Percentage Rate (APR) 5.64%) excluding insurance. This is an increase of €55 per month. Rates quoted above are effective from 2nd Deceber 2013. Please contact KBC Bank Ireland to receive more information on charges which may apply to early repayment of fixed loans. For accurate real-time information and rates, please contact KBC directly for specific tailored information to meet your particular requirements. All information, prices and rates quoted in this Guide are for guidance only and do not form any part of a legal contract, agreement or understanding.