1. Application Form
 
Simply complete the application form and send it back to us:

• By post to Freepost, KBC Bank Ireland plc, Sandwith Street, Dublin 2
• To your local KBC Hub throughout the country.

If you have chosen not to have a valuation completed please ensure you have ticked the box on page 9 confirming this. If you do not complete this section we cannot process your application unless a valuation is provided.

If you have had a valuation completed you will need to include a copy of the valuation with your application form.  If we do not receive the fully completed application form and valuation we cannot apply the requested rate to your mortgage. 

Where you decide not to get a valuation completed please be aware that the Loan to Value (‘LTV’) Percentage (%) will not be re-calculated by KBC and you will not be eligible for an interest rate from a different LTV Rate Band.

2. Valuation

If you wish to select a rate based on the existing LTV Percentage applicable to your mortgage you can do so without providing a valuation.  If you are currently on our Private Dwelling Home (PDH) standard variable rate or wish to avail of a LTV rate in a lower LTV rate band then you will need to get a valuation completed.

 
KBC will then review your completed application form and the valuation report where provided. If approved, and based on the calculated LTV, KBC will switch your current mortgage rate to the relevant LTV band.