What if you could reduce your mortgage repayments just by switching to KBC?

Mortgage Calculator
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* Terms & Conditions apply

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How to get started

Need to learn more about the KBC switching process?

Download our Switching Guide (pdf, 1.5 MB); a step by step information booklet on what's involved in making the switch to KBC.

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.

See what else you get when you switch:

  • Get €3,000 if you drawdown your mortgage with KBC by 31st December 2020 **
  • Some of the lowest fixed rates on the market^. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable with the current account offer based on an LTV of <=60%
  • Up to 90% finance. Up to 35 year term
  • 25% off KBC Home Insurance for 1 year for new residential mortgages***

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.

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

Terms and conditions

^Source: Bonkers.ie March 2020

**€3,000 is available if the Loan is drawndown on or before 31st December 2020  only. Customers drawing down in stage payments will only qualify for the contribution if the initial stage draws down on or before 31st December 2020 . The contribution is available to customers switching the mortgage on their principal private residence to KBC from another financial institution. The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the Loan to the Bank account (KBC or otherwise) from which the monthly mortgage repayment is or will be paid. 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.

***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.

Lending criteria, terms and conditions apply. Security and insurance are required. The maximum mortgage is 90% of the property value.
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.

KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

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.