Each applicant is required to provide information through the Digital Mortgage AIP journey on their Personal Details, Employment & Income, Assets & Liabilities, and the type of Mortgage they are applying for.

Each applicant must also upload a payslip or proof of their PPS Number. This information will be reviewed by a decision engine which refers to a set of rules based on KBC’s Mortgage Credit Criteria and data held by credit reference agencies.

The decision will be made immediately and the applicant will be informed on screen of the decision.