Top-ups

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
  • Rates from 2.90% (3.05% APRC) fixed or 3.00% (3.06% APRC) variable with the current account offer
  • Great range of variable and fixed rates

New Mortgage

Field Information
2nd Applicant's Info

Key features:

  • 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?

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.

Want to know more about our application process or our range of options? Call our mortgage team at 1800 51 52 53 (8am to 8pm Monday to Friday and 10am to 2pm on Saturdays).

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


*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.