Existing Private Dwelling Home (PDH) Customers have something to dance about. To reward your loyalty as a KBC customer,  you can now apply to move to our new Business Loan to Value (LTV) Rates. Simply follow the steps below and you could have some of the lowest mortgage repayments on the market.

1. Home Valuation

2. Choose your rate type

3. Complete your application form

  • Step 1: Get your home valued.  Choose a KBC appointed valuer from our nationwide panel. Provide the valuer with the instruction letter from the information pack. The valuer will provide you with a copy of the valuation report to send to us along with your application form.
  • Step 2: Using your outstanding mortgage balance and property value you can calculate your Loan to Value (LTV) to find out the LTV Percentage (%) applicable to your mortgage. Then choose a rate type that suits you. Read the terms and conditions. We advise you to seek independent financial & legal advice before completing the application form. Please refer to eligibility conditions below* to ensure you are eligible for the Existing Customer Loan to Value Rate Options.
  • Step 3: Download and complete the application form and send it with a copy of your valuation report to Freepost, KBC Bank Ireland, Sandwith Street, Dublin 2.
  • What happens next? All customers will receive a letter confirming your LTV, the outstanding balance of your mortgage and the full details of your new rate and revised repayment.
 

Ready to apply? Download the application pack to get started.

Download application pack   FAQs

*You may not avail of the Option if your mortgage account is currently on a Tracker Interest Rate.  If only part of your mortgage account is on a Tracker Interest Rate, you may avail of the Option in respect of the portion of the mortgage account that is not on a Tracker Interest Rate however the aggregate amount outstanding in respect of all portions of your mortgage account will be used for the purposes of calculating the Loan to Value Percentage. 
 
The Option is not available if your account is in arrears unless you have entered into a mortgage arrears resolution option with us.  If you are currently availing of an interest rate reduction as part of a mortgage arrears resolution option you are not entitled to apply for the Option. Customers with investment or pension back mortgages cannot avail of the offer.
Customers with a Loan to Value of >90% also cannot avail of the offer, these customers can however avail of our existing suite of 2, 3 and 5 year fixed rates for existing customers.

Lending Criteria, Terms and Conditions Apply. Security and Insurance are required.

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