Important Customer Notice

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Important Customer Notice

KBC Bank Ireland would like to draw your attention to some important information.
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Current Account Discount

0.20% Discount with a KBC Current Account

We’re giving you an optional 0.20% discount (reducing our new business mortgage rates to as low as 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC)​ with your KBC Current Account+ based on a LTV of <=60%.

At the end of your fixed rate period you will roll off on to a new business LTV variable roll off interest rate determined by Loan to Value at initial drawdown. Information correct as at 2nd March 2020.

New Mortgage customers must request the Current Account discount to be applied to their Mortgage rate during the application process. Existing Mortgage Customers can avail of the offer by opening a KBC Current Account and contacting us to apply for the discount.

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You can also avail of the following;

25% off KBC Home Insurance for year one (available to new residential mortgages i.e First Time Buyers, Movers and Switchers until 30th June 2022*).

Get €3,000 if you apply for your switcher mortgage by 30h June 2022.

Great Mortgage Rates

Great rates for new First Time BuyersMovers and Switchers with a KBC Current Account. With up to 90% finance and up to a 35 year term

We offer a competitive range of fixed and variable rates and a range of flexible mortgage options

KBC Current Account

Find the Current Account for you that's right for you. 

Get started to today and find out how you can avail of the 0.2% Current Account Discount on your KBC Mortgage.


The Need-to-Knows

  • +To avail of the optional extra Mortgage Discounted Rate (KBC’s prevailing new business fixed or variable rate with a discount of 0.20%), you must mandate your salary to your KBC Current Account (In an instance where a customer is self-employed, you must establish a monthly transfer to the Current Account to lodge an amount that is at least equal to the monthly mortgage repayment). You must also pay your new KBC Mortgage by Direct Debit from your KBC Current Account.

    If you cease mandating your salary to your KBC Current Account and/or paying your KBC mortgage by Direct Debit from your KBC Current Account, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply.

    The optional extra mortgage discounted rate is not available to Buy to Let mortgages, Tracker mortgages, mortgage accounts  which have been in arrears within the past 12 months or on the following mortgage arrears resolution options’: Moratorium, Less than interest only arrangement, Interest Rate Reduction, Split Mortgage.In the instance where you are availing of the Tracker Mover option, the current account discount will only apply to the new business rate portion of your mortgage.

    All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products.

    To apply for this offer drop into a hub or call us on 1800 51 52 53.
  • KBC reserves the right to remove the availability of this offering for new business customers at any time in the future. This will not affect existing customers who have already availed of the discounted Current Account Mortgage Rate.

    *25% off only applies in the first year. Offer expires 31st of December 2021. If the KBC Home Insurance policy is cancelled before the first 12 months has expired, KBC reserves the right to request the customer to refund the balance of the premium. KBC Home Insurance quotes are valid for 30 days from receipt. KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. KBC Home Insurance products are underwritten, administered and provided by Zurich Insurance plc. Zurich Insurance plc is regulated by the Central Bank of Ireland.

    ** All Switcher Mortgages that complete before 31st December 2021 will receive €3,000. Customers drawing down in stage payments will only qualify for the contribution if the initial stage draws down before 31st December 2021. 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. This Switcher offer excludes Buy to Let properties. 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. 

    As a general rule, loan amounts are subject to monthly repayments of a maximum of 50% of disposable income and will vary according to individual circumstances. A typical variable rate mortgage of €100,000 over 240 months costs €619 per month at 4.25% (APRC 4.35%). The total amount repayable is €148,616. A 1% rise in interest rate will increase this payment by €55 per month.

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

    ^^Just use your debit card in-store for purchases or cashback for free. You don’t need to use the ATM and incur those annoying ATM charges. Cashback is at the retailers discretion and a purchase is required. A minimum amount may be necessary. Other fees and Charges may apply.

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