Our mortgage rates

Whether you're looking to buy, move or switch your mortgage to KBC, enjoy a range of options, competitive rates and the focus on customer care. Plus, KBC Current Account customers taking out a new residential mortgage can also choose to avail of a 0.20% discount on our New Business Mortgage rates.

KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account.* If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more.

Rates for existing KBC Mortgage customers can be found here. The tables below represent new business rates.

I want a variable mortgage rate

New Residential Primary Home Mortgage -  Variable Rates 
Variable Rates Interest Rates APRC
<50% LTV 3.20% 3.26%
50-60% LTV 3.25% 3.32%
60-80% LTV 3.30% 3.37%
80-90% LTV 3.70% 3.78%

Variable rate - 0.20% Current Account discount

If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. For ease of reference, the table below shows KBC's new business rates with the 0.20% discount already applied.

New Residential Primary Home Mortgage - Variable Rates (Current A/C Discount)
Variable Rates Interest Rates APRC
<50% LTV 3.00% 3.06%
50-60% LTV 3.05% 3.11%
60-80% LTV 3.10% 3.16%
80-90% LTV 3.50% 3.57%

I want a fixed mortgage rate

New Residential Primary Home Mortgage - Fixed Rates
Fixed Rates Interest Rates APRC
1 Year <50% LTV 3.10% 3.25%
1 Year >50-60% LTV 3.10% 3.30%
1 Year >60-80% LTV 3.10% 3.34%
1 Year >80-90% LTV 3.10% 3.71%
2 Year <50% LTV 3.15% 3.25%
2 Year >50-60% LTV 3.15% 3.29%
2 Year >60-80% LTV 3.19% 3.34%
2 Year >80-90% LTV 3.65% 3.77%
3 Year <50% LTV 3.15% 3.25%
3 Year >50-60% LTV 3.15% 3.28%
3 Year >60-80% LTV 3.19% 3.33%
3 Year >80-90% LTV 3.65% 3.76%
5 Year <50% LTV 3.20% 3.26%
5 Year >50-60% LTV 3.20% 3.29%
5 Year >60-80% LTV 3.25% 3.34%
5 Year >80-90% LTV 3.75% 3.81%
 
New Residential Primary Home - Roll Off Rates
Roll Off Rate Interest Rate APRC
<50% LTV 3.20% 3.26%
50-60% LTV 3.25% 3.32%
60-80% LTV 3.30% 3.37%
80-90% LTV 3.70% 3.78%

*At the end of your fixed rate period you will roll off on to a new business LTV variable roll off interest rate, as illustrated above. The applicable roll off rate is determined by Loan to Value at initial drawdown.

Fixed Rate - 0.20% Current Account Discount

If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. For ease of reference,the table below shows KBC's new business rates with the 0.20% discount already applied.

New Residential Primary Home Mortgage - Fixed Rates (Current A/C Discount) 
Fixed Rate  Interest Rate APRC
1 Year <50% LTV 2.90% 3.05%
1 Year >50-60% LTV 2.90% 3.09%
1 Year >60-80% LTV 2.90% 3.14%
1 Year >80-90% LTV 2.90% 3.51%
2 Year <50% LTV 2.95% 3.05%
2 Year >50-60% LTV 2.95% 3.09%
2 Year >60-80% LTV 2.99% 3.14%
2 Year >80-90% LTV 3.45% 3.56%
3 Year <50% LTV 2.95% 3.04%
3 Year >50-60% LTV 2.95% 3.08%
3 Year >60-80% LTV 2.99% 3.13%
3 Year >80-90% LTV 3.45% 3.56%
5 Year <50% LTV 3.00% 3.06%
5 Year >50-60% LTV 3.00% 3.09%
5 Year >60-80% LTV 3.05% 3.14%
5 Year >80-90% LTV 3.55% 3.60%
 
New Residential Primary Home Mortgage - Roll Off Rates (Current A/C Discount)
Roll Off Rate Interest Rate APRC
<50% LTV 3.00% 3.06%
50-60% LTV 3.05% 3.11%
60-80% LTV 3.10% 3.16%
80-90% LTV 3.50% 3.57%

*At the end of your fixed rate period you will roll off on to a new business LTV variable roll off interest rate, as illustrated above. The applicable roll off rate is determined by Loan to Value at initial drawdown.

Buy to Let rates

New Business Rates
Buy to Let
Rates Interest Rates APRC
<50% LTV Variable 4.50% 4.79%
>50% LTV Variable 4.80% 5.10%
3 Year Fixed 5.25% 5.51%
5 Year Fixed 5.25% 5.52%
 

*At the end of your fixed rate period you will roll off on to the Buy to Let standard variable rate.

Enquire Online Now

Make An Appointment

Important Information

KBC Bank Ireland's Variable Rate Statement can be found here.

APR = Annual Percentage Rate.
APR calculations are based on a typical mortgage of €100,000 over a 20 year term.
Rates effective from 1st November 2016.
LTV = Loan to Value
On expiry of a fixed rate period, your mortgage account will revert to a variable rate in accordance with the terms of your loan documentation.

*To avail of the optional extra KBC Current Account Discount Mortgage Offer (KBC’s applicable fixed or variable rate with a discount of 0.20%), you must mandate your salary to your KBC Current Account (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment). You must also pay your KBC Mortgage by Direct Debit from your KBC Current Account. If you cease to meet one and/or both of the aforementioned conditions, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply. All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products. KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. This will not affect existing customers who have already availed of the discounted current account mortgage rate.

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