Want to make some improvements to your home? Our top-up loans allow you to borrow money at mortgage interest rates by freeing up some of the equity* in your home

  • Up to 80% finance
  • Minimum term of 3 years to max term of 30 years
  • Some of the lowest fixed rates on the market^ from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable with the current account offer based on a <=60% LTV
  • Great range of variable and fixed rates

New Mortgage

Field Information
2nd Applicant's Info

Key features of our Top-ups:

  • Flexible options like spreading your repayments over different terms or ‘mix and matching’ your repayments between fixed and variable rates.
  • Minimum loan €20,000

Make an appointment

Retrofit Finance: Did you know you can apply for a mortgage top-up to make your homes more energy efficient through the Sustainable Energy Authority of Ireland’s (SEAI) Better Energy Homes Scheme?

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.

Current Account Mortgage Discount

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

^Source: March 2020

*Equity is the market value of your home minus the outstanding mortgage you owe.

Lending criteria, terms and conditions apply. Security and insurance are required. The maximum mortgage is 90% of the property value. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

The top up facility is limited to 90% of the cost of the improvement works.