Home movers

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 could save by moving your mortgage to KBC.

Mortgage Calculator
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* Terms & Conditions apply

New Mortgage

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Experience our mobile mortgage team at our Hub or yours!1

Or give us a call on 1800 51 52 53

Make an appointment

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See what you can get:

  • Up to 90% finance. Up to 35 year term
  • One of the lowest rates on the market^ from 2.50% (3.00% APRC) 2 year fixed or 3.00% (3.06 % APRC) variable with the current account offer is based on a <=60% LTV
  • 25% off KBC Home Insurance for 1 year for new residential mortgages*
  • AEMA Best Mortgage Lender Award 2018^

Moving home can be stressful. Applying for a KBC mortgage isn’t. We’re here every step of the way to help you get into your new home. Call our mortgage team at 1800 51 52 53 (8am to 8pm Monday to Friday and 10am to 2pm on Saturdays).

Did you know we do home insurance too? And if you draw down your mortgage before 31st December 2018 you get 25% off KBC Home Insurance for one year!*

Current Account Mortgage Offer

As an added optional extra on your KBC Current Account we're offering a 0.20% discount on our KBC New Business Mortgage rates for qualifying new First Time Buyer, Mover or Switcher Mortgages. 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.

Click here for important information

Terms and conditions

* 25% off only applies in the first year. Offer expires 31st December 2018. 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.

^Source: bonkers.ie September 2018

Lending Criteria, Terms and Conditions Apply. Security and Insurance are required. The maximum mortgage balance is 90% of the property value. Rates from 2.50% (3.00% APRC) 2 Year fixed or 3.00% (3.06% APRC) variable with the current account offer based on a LTV of <=60%.
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 3rd September 2018.

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 3rd September 2018. 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.