Your annual statements

The number provided in this section is your mortgage account number with KBC Bank Ireland. This is the reference number you should use at all times when contacting KBC Bank Ireland with regards to your mortgage account.

This is the total balance that was outstanding on your account on the morning of 1st January 2020 including any outstanding arrears or credits accrued. If you have multiple loans under the same mortgage account number (i.e. top-up loans) the balance shown here is the total of all loans under this account number.

This is the total balance that was outstanding on your account as at 1st January 2021 including any outstanding arrears or credits accrued. If you have multiple loans under the same mortgage account number (i.e. top-up loans) the balance shown here is the total of all loans under this account number.

This is the total amount of interest charged on your mortgage account in 2021. The figure includes interest accrued to the 31st December 2021 and charged on the 1st January 2022. It should be noted that this figure relates to interest charged but does not confirm the amount of interest actually paid on the account as outstanding payments are not taken into account.

This figure represents the amount of Tax Relief at Source processed by KBC Bank Ireland on behalf of the Revenue Commissioners between the 1st January 2021 and the 1st January 2022. If you have any queries on Tax Relief at source these should be directed to the Revenue Commissioners TRS helpline on 01 738 3663.

This represents a payment of Tax Relief at Source for 2020 that was processed in 2021 by KBC Bank Ireland on behalf of the Revenue Commissioners. If you have any queries on Tax Relief at Source these should be directed to the Revenue Commissioners TRS helpline on 01 738 3663.

This section of your annual statement details the interest rates charged on your mortgage account between the 1st January 2021 and the 1st January 2022. If you have multiple loans under the same mortgage reference, there is a separate statement of interest rates for each loan portion.

This section indicates what type of loan you have. For example a mortgage on a house purchased in order to gain rental income is referred to as a 'Buy to Let’ mortgage or where a mortgage is set to collect both capital and interest repayments it would be referred to as an 'Annuity’ mortgage.

A mortgage with KBC Bank Ireland can have separate portions. For example a customer may have taken out a Top-Up loan on the mortgage account or split their loan balance to avail of different interest rates. Each loan balance has a unique identifying number referred to as the product reference.

This is the original amount borrowed for the particular loan portion on which the interest rate history is based.

This is the current scheduled date of your last repayment for this portion of your loan.

This section details the interest rates charged on your account, and the period for which they relate to. Therefore the interest rate displayed for a particular time period, would have been used to calculate the interest charged to your account on the 1st of the month following the rate end date. For example, an interest rate displayed as applying between the 2nd January 2020 and the 31st July 2020, will be the rate of interest charged each month up to and including the interest charged to your account on the 1st August 2020.