Switchers

What if you could reduce your mortgage repayments just by switching to KBC?

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See what you can get when you switch to KBC

  • Get €2,000 towards your professional fees (legal and valuation fees) if you drawdown your mortgage with KBC between 1st January and 31st March 2017**
  • One of the lowest rates on the market^.  Rates from 2.90% (3.05% APRC) fixed or 3.00% (3.06% APRC) variable with the current account offer and is based on a < 50% LTV
  • 2015 AEMA Best Mortgage Lender awarded in May 2016
  • Up to 90% finance. Up to 30 year term
  • 50% off KBC Home Insurance for 1 year for new residential mortgages***

What are you waiting for? Call our mortgage team at 1800 51 52 53 (8am to 8pm Monday to Friday and 10am to 2pm on Saturdays).

Current Account Mortgage Offer

As an added optional extra on your KBC Current Account we're offering a 0.20% discount on our KBC New Business Mortgage rates for qualifying new First Time Buyer, Mover or Switcher Mortgages. Find out more on our Current Account Discount and view our Discounted Rates.

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

Click here for important information

Terms and conditions


**A contribution of €2,000 towards professional fees (legal and valuation costs) is available if the Loan is drawn down between 1st January and 31st March 2017 only. Customers drawing down in stage payments will only qualify for the contribution if the initial stage draws down between 1st January and 31st March 2017. The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the Loan to the account from which the monthly mortgage repayment is or will be paid. The Lender reserves  the right to amend, modify, cancel, withdraw or change the terms on which this contribution is available at any time at its sole discretion.

***Home Insurance offer ends 31st March 2017. This offer excludes Buy to Let properties. KBC Bank Ireland Home Insurance Products are exclusively underwritten, administered and provided by Zurich Insurance plc, subject to Zurich Insurance underwriting terms and conditions. Zurich Insurance plc is regulated by the Central Bank of Ireland.

^Source: bonkers.ie (December 2016)

Lending criteria, terms and conditions apply. Security and insurance are required. The maximum mortgage is 90% of the property value. Rates shown aboave are provided for information only. At the end of the fixed rate period, existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing LTV variable rates. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Calculator terms

This isn’t an official mortgage offer but it will let you know how much you could borrow so you can start doing the sums.

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 top ups. 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 not 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 repayment results calculated are based on current offered rates for Mortgages. Fixed rate repayment is applicable for the first year only. After year one, the prevailing new business LTV variable rates apply to the mortgage amount; this rate will be determined by the Loan to Value at initial drawdown. Any repayment estimates provided by the 'What will my repayment be' calculation shall be exclusive of any Tax Relief at Source (TRS) receivable. The rates quoted are effective from 1st November 2016. The switch and save calculator is for indicative purposes only and the possible saving is based on a monthly saving amount with a variable rate.

LTV refers to Loan to Value. APRC refers to Annual Percentage Rate of Charge.