Mortgages from KBC Ireland – Your Kind of Mortgage - KBC

Mortgages from KBC Ireland – Your Kind of Mortgage – KBC

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
<=60% LTV 3.20% 3.26%
>60-80% LTV 3.25% 3.32%
>80-90% LTV 3.50% 3.57%

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
<=60% LTV 3.00% 3.06%
>60-80% LTV 3.05% 3.11%
>80-90% LTV 3.30% 3.37%

I want a fixed mortgage rate

New Residential Primary Home Mortgage – Fixed Rates
Fixed Rates Interest Rates APRC
1 Year <=60% LTV 2.70% 3.21%
1 Year >60-80% LTV 2.70% 3.26%
1 Year >80-90% LTV 2.70% 3.48%
2 Year <=60% LTV 2.45% 3.10%
2 Year >60-80% LTV 2.50% 3.16%
2 Year >80-90% LTV 2.50% 3.36%
3 Year <60% LTV 2.45% 3.03%
3 Year 60-80% LTV 2.50% 3.08%
3 Year 80-90% LTV 2.55% 3.28%
5 Year <60% LTV 2.60% 2.98%
5 Year 60-80% LTV 2.65% 3.03%
5 Year 80-90% LTV 2.70% 3.19%
10 Year <=60% LTV 3.05% 3.15%
10 Year >60-80% LTV 3.19% 3.27%
10 Year >80-90% LTV 3.40% 3.49%
Read about:   Mortgage To Build Your Own House

 

New Residential Primary Home – Roll Off Rates
Roll Off Rate Interest Rate APRC
<=60% LTV 3.20% 3.26%
>60-80% LTV 3.25% 3.32%
>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.

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 <=60% LTV 2.50% 3.00%
1 Year >60-80% LTV 2.50% 3.05%
1 Year >80-90% LTV 2.50% 3.28%
2 Year <=60% LTV 2.25% 2.90%
2 Year >60-80% LTV 2.30% 2.95%
2 Year >80-90% LTV 2.30% 3.15%
3 Year <60% LTV 2.25% 2.83%
3 Year 60-80% LTV 2.30% 2.88%
3 Year 80-90% LTV 2.35% 3.07%
5 Year <60% LTV 2.40% 2.77%
5 Year 60-80% LTV 2.45% 2.82%
5 Year 80-90% LTV 2.50% 2.98%
10 Year <=60% LTV 2.85% 2.94%
10 Year >60-80% LTV 2.99% 3.06%
10 Year >80-90% LTV 3.20% 3.29%

 

New Residential Primary Home Mortgage – Roll Off Rates (Current A/C Discount)
Roll Off Rate Interest Rate APRC
<=60% LTV 3.00% 3.06%
>60-80% LTV 3.05% 3.11%
>80-90% LTV 3.30% 3.37%

*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.

Read about:   Mortgage Dealer Definition

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.

APRC = Annual Percentage Rate of Charge.
APRC calculations are based on a typical mortgage of €100,000 over a 20 year term.
Rates effective from 2nd March 2020.
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 apply for the optional extra 0.20% discounted rate, please contact KBC. You must also mandate your salary (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment) and 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. 

In the instance you are availing of the Tracker Mover Option, the current account discount will only apply to the new business rate portion of your mortgage.

Offer excludes 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.

Read about:   Real Estate and the AMT: Rental Or Investment Property

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

30 thoughts on “Mortgages from KBC Ireland – Your Kind of Mortgage – KBC

  1. Daniela Mannings says:

    I have been exploring for a bit for any high-quality articles or blog posts on this sort of area . Exploring in Yahoo I at last stumbled upon this website. Reading this info So i am happy to convey that I’ve an incredibly good uncanny feeling I discovered just what I needed. I most certainly will make sure to don’t forget this website and give it a glance regularly.

  2. Jude Catterton says:

    Normally I do not read article on blogs, but I would like to say that this write-up very compelled me to try and do so! Your writing style has been surprised me. Thanks, very nice post.

  3. Russell Ploennigs says:

    Wow that was odd. I just wrote an incredibly long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say excellent blog!

  4. Sergio Marren says:

    I don’t even know how I ended up here, but I thought this post was great. I do not know who you are but certainly you are going to a famous blogger if you are not already 😉 Cheers!

  5. Zack Frerking says:

    Definitely, what a great website and revealing posts, I definitely will bookmark your website.Have an awsome day!

  6. Andy Pawelk says:

    I’d need to examine with you here. Which is not something I often do! I get pleasure from studying a publish that may make individuals think. Also, thanks for allowing me to comment!

  7. Emil Haberer says:

    I do enjoy the way you have framed this specific problem and it really does provide me a lot of fodder for consideration. However, coming from just what I have observed, I only hope when the responses pile on that folks keep on point and in no way start on a soap box associated with some other news of the day. All the same, thank you for this outstanding point and though I can not really go along with the idea in totality, I respect your perspective.

  8. Freeman Vanderploeg says:

    It is in reality a nice and helpful piece of information. I’m satisfied that you shared this useful information with us. Please keep us informed like this. Thanks for sharing.

  9. PedroOrith says:

    viagra 100mg price: viagra – viagra from canada

  10. PedroOrith says:

    viagra without a doctor prescription: viagra – buying viagra online

Leave a Reply

Your email address will not be published.