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Digital AIP

One step closer to home

The KBC Digital Mortgage Approval in Principle (“AIP”) journey is an application and decisioning platform focused on Mortgage Application to AIP decision stages.

You can start, complete and get a decision on your application - all online! 

A helpful heads-up

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Digital AIP Helpful Heads-up

  • The Journey - this can be started through the application form at the start of this page.
  • Eligibility - First Time Buyer, Mover or Switcher customers applying for a loan amount within the maximum Loan to Value and/or Loan to Income thresholds required by the Central Bank of Ireland. Further detail can be found below.
  • Information Required - Each applicant will be asked information on their Personal Details, Employment & Income, Assets & Liabilities, and the Mortgage they are applying for.
  • Documents - Each applicant must also upload a payslip from the last 3 months, or proof of their PPS Number.
  • Decision - Once you have completed the application and uploaded your documents, a decision will be provided immediately on screen!

Please note: - To progress to Loan Offer, we will need some additional documents, these will be outlined in your AIP letter.

You can also check out the list below.

KBC Current Account Offer

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Get an extra 0.20% off your mortgage rate with a KBC current account.

Are you switching?

Download our Switching Guide (pdf, 1.5 MB); a step by step information booklet on what's involved in making the switch to KBC.
Additional Information on switching is available at the Competition and Consumer Protection Commissions Website for additional support.

The Need-to-Knows

  • Lending criteria, terms and conditions apply. The property is mortgaged to secure the loan. Life and home insurance are required. The maximum loan amount will typically not exceed 3.5 times an individual’s gross annual income. The maximum mortgage is 90% of the property value. 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 PDH (Private Dwelling House) mortgage of €100,000 over 240 months costs €579.96 per month at 3.50% (APRC 3.57%). The total amount repayable is €139,190.33. The LTV (Loan to Value) Variable rate of 3.50% (APRC 3.57%) variable is based on a loan to value of >80%-90%. A 1% rise in interest rate will increase this payment by €52.69 per month. APRC = Annual Percentage Rate of Charge and consists of a variable borrowing rate of 3.50%, valuation fee of €150.00 and security release fee of €38. Information correct as at 1st December 2020. Rates may vary over the term of a mortgage.
  • 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.
  • The mortgage calculators allow you to calculate repayments or estimate the likely extent of any loan which may be available to you.  The information provided by this calculator is for illustrative and guidance purposes only, is non-binding and is subject to change. It is only applicable for loans in respect of your Private Dwelling House and is not applicable for Buy to Let loans or top ups. 

    Please note this is not an offer of a loan and you are required to apply for a mortgage and lending criteria, terms and conditions apply. 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 plc 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 may vary over the term of a mortgage. 


    Important Information
    The property is mortgaged to secure the loan. Life and home insurance are required.
    The maximum loan amount will typically not exceed 3.5 times an individual's gross annual income.
    The maximum mortgage is 90% of the property value. A property valuation will be required.
    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.
    Rates are provided for information purposes only. They do not form part of an advertisement. The rates quoted are effective from 1st December 2020.

  • The KBC Mortgage Digital AIP process is open to new and existing KBC customers applying as:

    • First Time Buyers
    • Movers
    • Switchers

    Applicants must be applying for a loan amount within the maximum Loan to Value and/or Loan to Income thresholds required by the Central Bank of Ireland.

    The following product types are not available on the KBC Mortgage Digital AIP process:

    • Buy to Let
    • Negative Equity
    • Tracker Mover
    • Top Up

    Applicants who are self-employed cannot avail of this process.

    Further detail on eligibility can be found on our Digital AIP FAQ page.

  • To progress to Loan Offer, further supporting documents will need to be provided by each applicant.

    These documents will include but are not limited to;

     - Original Employee Status Report completed, signed & stamped by employer dated within the last 6 months. 

    •  - One recent original payslips (latest within last 6 months).

    •  - Most recent Employment Detail Summary (P60) or Statement of Liability (P21) (December payslip is acceptable if last year’s Employment Detail Summary is not available yet).

    •  - 6 months continuous original Current Account Bank Statements or e-statements (the latest dated within the last 3 months) for primary current account and any additional secondary current accounts.

    •  - 6 months continuous original Savings Account Bank Statements or e-statements (the latest dated within the last 3 months) showing accumulation of savings balances.

    Anything additional required based on your specific circumstances will be outlined on your AIP letter.

  • A contribution of €1,500 towards your professional fees (legal and valuation costs) is available subject to the following conditions:

    A fully completed Private Dwelling House (PDH) application form is submitted to KBC on or before 31st December 2021;

    KBC subsequently approve your mortgage application and you draw down the mortgage within the availability period set out in your Letter of Offer;  

    You draw down the full amount of the mortgage on either a 3, 5 or 10 year fixed interest rate;

    You are a first time buyer or are moving house and it is your principal private residence;

    You do not exceed the maximum Loan to Value and/or Loan to Income thresholds required by the Central Bank of Ireland;

    The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the mortgage to the account from which the monthly mortgage repayment is or will be paid;

    The contribution is not available
    (i) in respect of buy to  let properties,
    (ii) where you are switching the mortgage on your existing property to KBC from another lender and/or (iii) where you are availing of our tracker mover product. 

    Please Note
    Please ensure you review all the mortgage rate options available to you to identify the most appropriate for your personal circumstances. You may also like to get independent advice before deciding to avail of the offer from your solicitor or speak to a financial advisor.In order to receive this contribution you will be fixing the interest rate on your mortgage for a period of either 3, 5 or 10  years (the fixed period).  Before agreeing to fix your interest rate you should be aware of the following:-
     
    When you choose a fixed rate, you know exactly how much your monthly mortgage repayment will be during the fixed period.

    If your mortgage is redeemed either fully or partially during the fixed period you may be charged a break funding fee.  You should  consider whether a change in your circumstances might occur (such as needing to sell the property or paying off a lump sum from your mortgage) which may result in you incurring this fee.  Details of how this fee is calculated is included in your Letter of Offer. 

    During the fixed period you will not be subject to any interest rate increases or decreases (subject to a number of limited exceptions set out in our General Homeloan Conditions).

    On the expiry of the fixed period your interest rate will revert to our then current New Business PDH Loan to Value (LTV) Variable Rates.

    We reserve the right to amend, modify, cancel, withdraw or change the terms on which this contribution is available at any time at our sole discretion.
  • A contribution of €3,000 towards your professional fees (legal and valuation costs) is available subject to the following conditions: 

    (1)    A fully completed Private Dwelling House (PDH) application form is submitted to KBC before 31st December 2021;
    (2)    KBC subsequently approve your mortgage application and you draw down the mortgage within the availability period set out in your Letter of Offer;  
    (3)    You are switching the mortgage on your existing property to KBC from another lender, it is your principal private residence; 
    (4)    The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the mortgage to the account from which the monthly mortgage repayment is or will be paid; and
    (5)    The contribution is not available (i) in respect of buy to  let properties, (ii) where you are a first time buyer or a moving home and/or (iii) where you are availing of our tracker mover product.

    We reserve the right to amend, modify, cancel, withdraw or change the terms on which this contribution is available at any time at our sole discretion.
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY.
WARNING:  THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.

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