First time buyers

Try our handy mortgage calculators.

Get some of the lowest fixed rates on the market^ with a KBC current account+Find out how much you could borrow or what your repayments will be with a KBC mortgage.
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* Terms & Conditions apply

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Award winning mortgages

With one of the lowest rates on the market^ (with a KBC Current Account), we’ve got what you’re looking for:

  • Up to 90% finance. Up to 35 year terms
  • Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable with the Current Account offer based on a LTV of <=60%
  • 25% off KBC Home Insurance for 1 year for new residential mortgages**
  • AIMA Lender of the Year 2019
  • AIMA Best Switcher Mortgage 2019

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 or decline, within 10 business days of this notification.

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

^Source: March 2020

The reduced new business rate (with a KBC Current Account) of 2.25% (APRC 2.9%) Fixed is based on a 2 Year <=60% Loan to Value (LTV). 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.

**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. 

Lending criteria, terms and conditions apply. 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. 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. A typical variable rate PDH (Private Dwelling House) mortgage of €100,000 over 240 months costs €579.96 per month at 3.50% (APRC 3.57%). The total amount repayable is €139,190.33. The LTV (Loan to Value) Variable rate of 3.50% (APRC 3.57%) variable is based on a loan to value of >80%-90%. A 1% rise in interest rate will increase this payment by €52.69 per month. APRC = Annual Percentage Rate of Charge and consists of a variable borrowing rate of 3.50%, valuation fee of €126.97 and security release fee of €38. Information correct as at 2nd March 2020. Rates may vary over the term of a mortgage.
1Geographical exclusions may apply for the mobile mortgage team.

Current Account Mortgage Discount
+To avail of the optional extra Mortgage Discounted Rate (KBC’s prevailing new business fixed or variable rate with a discount of 0.20%), you must mandate your salary to your KBC Current Account (In an instance where a customer is self-employed, you must establish a monthly transfer to the Current Account to lodge an amount that is at least equal to the monthly mortgage repayment). You must also pay your new KBC Mortgage by Direct Debit from your KBC Current Account.

If you cease mandating your salary to your KBC Current Account and/or paying your KBC mortgage by Direct Debit from your KBC Current Account, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply.

The optional extra mortgage discounted rate is not available to 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.

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

To apply for this offer drop into a hub or call us on 1800 51 52 53.

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.

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