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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Mortgages - New Header

Important Information about your Mortgage

Keep up to date

Important Information

  • After the 15th July 2022 KBC will be no longer accept new applications for Mortgages from non-KBC customers & existing KBC customers. If you have submitted an application on or before the 15th July 2022 it will be processed as normal.

  • Existing mortgage customers who wish to avail of the Current Account discount must apply for a Current Account by 15 July 2022.

  • For more information about what will be happening to your existing Mortgage in the future please click here.

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Up to 70% of the purchase price
Fixed and variable rate options
25% off your home insurance for the 1st year
Loan terms of up to 20 years

Buy to let Mortgages, in 5 easy steps

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BTL Steps

Send in your application

You can either fill this in or do it over the phone.

KBC review

We’ll go through everything and come back to you with an update.

Get your property valued

If you get approval in principle, get your property valued. This lets us calculate your Loan to Value (LTV).

Get your loan offer

If everything looks good, we’ll send you a loan offer that’s valid for 4 months.

Draw down your mortgage

And we’ll get your new mortgage up and running

BTL Mortgage Document List

Let's sort out the prep work!

Here's a handy list of documents you're going to need.

Your Application Form - You can either fill this in or do it over the phone.

Your Employee Status Form - Completed by your employer. Remind them to stamp it!

Your Payslips - Two from the last six months will do it.

Your Employment Detail Summary (P60)One for each of you applying. (Make sure it’s your most recent.)

Bank Statements - You’ll need your last 6 months of statements and your most recent Mortgage Statement. Loan statements or business statements might be needed too (if they’re relevant ). Your Bank Statement will also work as your proof of address.

Download our handy checklist below. 

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Get started today

Everything you need to get started. Download your checklist below. If you’re self-employed, your checklist is here.

Great rates

You want great Mortgage rates? You’ve come to the right place.


How do I get started? 

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You’ve lots of options!

If you'd like to speak to our mortgage team you can contact contact your local hub or by calling 1800 51 52 53.

Another option is to fill in our quick apply form and then one of our team will follow up with you.

Or, you can always drop into your Hub or get in touch with your financial advisor.

To get organised, why not download our Mortgage Application Form (pdf, 108 KB)? It includes a handy checklist that takes you through all the documents you’ll need.

If you’re self-employed, your checklist is slightly different, and this is the file (pdf, 45KB) you should work off.

Additional Information on switching is available at the Competition and Consumer Protection Commissions Website for additional support.

 What happens next?


When we’ve got your Mortgage Application and the other documents from the checklist, we’ll go through everything to make sure we have all the information we need.


Within 3 working days, we’ll be in touch to let you know if we need more information or if your application is ready to be assessed.

10 Working Days

Once you’re notified that your application has moved to the assessment stage, we’re committed to giving you a decision within 10 working days.

Additional Details

Occasionally, we may need additional information or time. If this happens, we’ll let you know within those 10 working days and we’ll also confirm when you should expect the final decision.

If you are an SME customer a guide is available here for you to review.

The Need-to-Knows

Important Information relating to Buy-to-Let Mortgages.
  • Lending criteria, terms and conditions apply. Security and insurance are required. The maximum mortgage is 70% of the property value.

    Where the purpose of the loan is to Purchase or Remortgage a property that is not intended for use as a family home, where the amount of the loan is more than €75,000 and does not exceed €1,500,000, KBCI will appoint one of its Panel Solicitors to act on its behalf and liaise with the borrowers and their Solicitor directly. The legal costs of KBCI shall be up to €1250 plus VAT and outlay in respect of the property over which the KBCI is taking security. These costs shall be paid by the Borrower in cleared funds directly to the KBCI's solicitor on closing.

    Information correct as at 1st December 2020.

  • 25% off only applies in the first year. Offer expires 30th June 2022. If the KBC Home Insurance policy is cancelled before the first 12 months has expired, 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.

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