Where you have submitted a valuation: On receipt of a fully completed application form and a valuation report completed by an approved KBC valuer, we will calculate the Loan to Value Percentage applicable to your mortgage account.

Where you have decided not to have a valuation completed: On receipt of a fully completed application form and which has ticked the relevant section on page 9 stating you did not wish for a valuation to be completed, we will fix your rate based on your current LTV rate band. 

If you are currently on our 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.
 
The amount outstanding on all accounts will be determined on the date the application form and where applicable a valuation report is assessed by us. The assessment process will typically take at least 10 business days from the receipt of the application form and where applicable the  valuationreport.
 
The next steps will apply depending on the new rates selected.