Try our handy mortgage calculators.

KBC has some of the lowest fixed rates on the market* with a KBC Current Account+Find out how much you could borrow, what your repayments will be or how much you could save by moving your mortgage to KBC. Mortgage Calculator
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* Terms & Conditions apply

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€3,000 Switcher Offer**

Award Winning^

25% off home insurance***

Low Fixed Rates

A mortgage for every step of the property ladder

First Time Buyers

So you’re taking the first step on the property ladder. There’s a lot to think about when buying your first house but we’re here to bring you through it, step by step.

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You’re making a big move. Your to-do list is probably a mile long, and getting longer each day! We’ve got a great range of mortgage options just for movers, so let us help you tick “get mortgage sorted” off your list.

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Your mortgage is probably your biggest monthly expense. But what if you could reduce it just by switching to KBC? What are you waiting for? Check out our switcher options and see how much you could save.

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Buy to let

Thinking about buying a property to rent out? We’ve got a competitive range of buy-to-let mortgages and our team are here to talk you through the process.

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Top-Up Mortgages

Want to make improvements to your home? Our Top-Up loans allow you to borrow money at mortgage interests by freeing up some of the equity in your home.

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Existing Customers

Your mortgage is likely to be the largest financial commitment you’ll make in your life. At KBC, we’re dedicated to helping and supporting our customers.

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How to get started

If you are a First Time Buyer, Home Mover or Switching to KBC and would like to speak with our mortgage team to start your mortgage application over the phone, you can contact your local Hub or our Contact Centre 1800 51 52 53.

Alternatively you can complete the quick form above and a mortgage agent will contact you to discuss your application. You can also drop into your local Hub or contact your financial advisor.

You can download our Mortgage Application form (pdf, 108 KB) which includes a handy Application Checklist (pdf, 44 KB) setting out all the required documents to complete your application.

If you are self-employed the requirements will differ slightly, your mortgage checklist is available here - Mortgage Application Checklist - Self Employed (pdf, 45KB)

What happens next?

When we receive your Mortgage Application and all the required documents as outlined in our Mortgage Checklist your mortgage agent will carry out a review to ensure we have all the information necessary for a complete application.

Within 3 business days we will let you know if we have everything we need to send your application for assessment. If any documentation is missing we will let you know exactly what is outstanding for us to progress to the assessment stage.

Once your application has progressed to the assessment stage we commit to providing you with a decision, either approval in principal or declined, within 10 business days of this notification, in the event we are not in a position to provide you with a decision within 10 business days we will ensure to notify you in advance of any delays.

Should we require any further information or documents to assist in our decision we will be in touch to let you know.  We will explain what we need and advise you when you should expect the final decision.

Useful links

We have compiled all of the most important information about mortgages and put it all in one place for you.

Here you will find everything from our mortgage calculators to our FAQs.

Terms and conditions

Lending Criteria, Terms and Conditions Apply. Security and Insurance are required. The maximum mortgage balance is 90% of the property value. Max loan amount will typically not exceed 3.5 times an individual’s gross annual income.

Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. All rates advertised available for residential mortgages only.

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.

*Source: March 2020

**All Switcher Mortgages that complete up until 31st December 2020 will receive €3,000. Customers drawing down in stage payments will only qualify for the contribution if the initial stage draws down until 31st December 2020 . 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.

^ AIMA Mortgage lender of the year 2019  

*** 25% off only applies in the first year. Offer expires 31st of December 2020. 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. 

1Geographical exclusions may apply for the mobile mortgage team.

Current Account Mortgage Discount

+To apply for the optional extra 0.20% discounted rate, please contact KBC. You must also mandate your salary (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment) and pay your KBC Mortgage by direct debit from your KBC Current Account. If you cease to meet one and/or both of the aforementioned conditions, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply. 

In the instance you are availing of the Tracker Mover Option, the current account discount will only apply to the new business rate portion of your mortgage.

Offer excludes 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.

All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products. KBC reserve the right to remove the availability of this offering for new and existing 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.

Calculator terms

This isn’t an official mortgage offer but it will let you know how much you could borrow so you can start doing the sums.

This mortgage calculator is only applicable for loans in respect of your principle private dwelling and is not applicable for residential investment property loans or top ups. The mortgage calculator allows you to calculate repayments or estimate the likely extent of any loan which may be available to you, please note that such quotation is for illustrative and guidance purposes only, is non-binding and is subject to change. It is not an offer of a loan. 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 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 are provided for information purposes only. They do not form part of an advertisement.

The repayment results calculated are based on current offered rates for Mortgages. Fixed rate repayment is applicable for the first year only. After year one, the prevailing new business LTV variable rates apply to the mortgage amount; this rate will be determined by the Loan to Value at initial drawdown. Any repayment estimates provided by the 'What will my repayment be' calculation shall be exclusive of any Tax Relief at Source (TRS) receivable. The rates quoted are effective from 2nd March 2020. The switch and save calculator is for indicative purposes only and the possible saving is based on a monthly saving amount with a variable rate.

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

Important Information

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

Click here for important information