Existing Customer Hub
It's your Mortgage day! Apply on or before 15th July 2022 and get a contribution of €1,500 towards professional fees after you draw down the full amount of the mortgage on either a 3, 5 or 10 year fixed interest rate or a combination thereof.
Available to customers who do not exceed the maximum Loan to Value and/or Loan to Income thresholds required by the Central Bank of Ireland.
We've got a new Digital AIP process, to find out all about it check out our dedicated page.
The information on this page relates to our Paper Based and Over the phone application processes.
To check out who is eligible for our Digital Mortgage AIP process, see our 'The Need-to-Knows'.
First time buyers, we know that getting a first-time mortgage is a bit daunting.
Here’s a handy list of the 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. 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.
You’ve lots of options!
If you’re a First Time Buyer and you’d prefer to speak with our mortgage team, you can start your application over the phone by contacting 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 (pdf, 45KB) is slightly different.
Additional Information on switching is available at the Competition and Consumer Protection Commissions Website for additional support.
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.
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.
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.
Get an extra 0.20% off your mortgage rate with a KBC current account.
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.
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.