Try our handy mortgage calculators.

Get one of the lowest 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 can save by moving your mortgage to KBC. Mortgage Calculator
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We estimate your monthly repayments will be* 0

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Why not make an appointment to speak with one of our mortgage experts?

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 2.90% (3.05% APRC) fixed or 3.00% (3.06% APRC) variable with the Current Account offer
  • 50% off KBC Home Insurance for 1 year for new residential mortgages*
  • AEMA Best Mortgage Lender Award 2016

​^:  Source: December 2016


Make an appointment


Welcome to the KBC Bank mortgage video library. These videos are full of useful information and guidance to support you on every step of the mortgage journey.

Mortgage Myths Busted

From Approval in Principle to owning your house

Secret House Buying Tips

Is it possible for contract & self-employed workers to get a Mortgage?

What's your biggest tip for first time mortgage applicants?

Should I have the property surveyed before I buy?

How many houses should I look at before I decide to buy?

Terms and conditions

The reduced new business rate (with a KBC Current Account) of 2.90% (APRC 3.05%) Fixed is based on a 1 Year <50% Loan to Value (LTV), the reduced new business rate (with a KBC Current Account) of 3.00% Variable (APRC 3.06%) is based on a LTV of <50%. At the end of the fixed rate period a variable rate will apply. Information correct as at 1st November.

**Offer ends 30th September 2017. Excludes Buy to Let properties. 50% Off only applies in the first year. 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 products are exclusively underwritten, administered and provided by Zurich Insurance plc, subject to Zurich Insurance underwriting terms and conditions. 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 mortgage of €100,000 over 240 months costs €619 per month at 4.25% (APRC 4.35%). The total amount repayable is €148,616. A 1% rise in interest rate will increase this payment by €55 per month. APRC = Annual Percentage Rate of Charge and consists of a variable borrowing rate of 4.25%, valuation fee of €126.97 and security release fee of €38. Information correct as at 1st November2016. Rates may vary over the term of a mortgage. 

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.

  • Find out more on our Current Account Discount and view our Discounted Rates

KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information.
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 1st November 2016. 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.

Click here for important information