Our Top-Up loans allow you to borrow money at mortgage interests by freeing up some of the equity in your home. So you’re taking the first step on the property ladder. KBC Bank Ireland are set to cut their variable mortgage interest rates for new and existing customers. With this mortgage, your repayments and interest rate are fixed for first 10 years. 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. KBC has cut its fixed mortgage rates, reducing its two- and 10-year fixed rates for first-time buyers, switchers and movers. The bank will reduce rates on all loan-to-value (LTV) bands on fixed-rate mortgages by at least 0.2% from March 1 in the hopes of appealing to first time buyers, movers and switchers. Lending Criteria, Terms and Conditions Apply. Offer only available on 3, 5, … 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. We helpen je graag. Investment Properties; Investment properties: Yes: Applicable rates: The maximum mortgage balance is 90% of the property value. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy. In an ideal world, we would eliminate risk and fix for as long as possible within the horizon of our expected ownership of the property, provided longer term fixed rates were attractive. Rates are provided for information purposes only. KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. Rate reverts to 3.90% from year two onwards. Security and Insurance are required. To avail of this offer, the applicant must have a Primary KBC current account, to which their salary is mandated and their monthly mortgage direct debit is paid from. * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. We will explain what we need and advise you when you should expect the final decision. **Discounted rate for one year. Security and Insurance are required. LTV refers to Loan to Value. Should we require any further information or documents to assist in our decision we will be in touch to let you know. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy. 1Geographical exclusions may apply for the mobile mortgage team. 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. If any documentation is missing we will let you know exactly what is outstanding for us to progress to the assessment stage. Calculator terms. Current Account Discount. KBC Home Insurance quotes are valid for 30 days from receipt. Your to-do list is probably a mile long, and getting longer each day! If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. Terms and conditions apply. Before entering this site please take time to read our Terms and Conditions and Privacy Policy. Compare lender APR's, loan terms, and find the loan that fits your needs. the discount will no longer apply. Get a lower rate. *To apply for the optional extra 0.20% discounted rate, please contact KBC. Within 3 business days we will let you know if we have everything we need to send your application for assessment. Before entering this site please take time to read our Terms and Conditions and Privacy Policy. Click here for important information Call us Email us Your KBC Hub Make Appointment KBC Bank said the new rates are available to both existing and new mortgage customers, whether they are currently on a variable rate or arrive at the end of an existing fixed term rate. Ulster offer existing customers the same rates as new customers . Form of credit: mortgage loan for immovable property. This is the latest cut in an emerging trend of banks lowering fixed mortgage rates. Max loan amount will typically not exceed 3.5 times an individual’s gross annual income. KBC have recently improved their … Mortgage interest rates; Interest Rates Explained Fixed Rates. For ease of reference,the table below shows KBC's new business rates with the 0.20% discount already applied. The bank said that it will reduce its one-, two-, three- and five-year fixed rates, which will be available to new and existing KBC mortgage customers, effective from September 3. Information correct as at 2nd March 2020. After year one, New Business LTV Variable Rate of X.XX% (X.XX% APRC) applies. Up to 90% finance. We’ve got a competitive range of buy-to-let mortgages and our team are here to talk you through the process. 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. All rates advertised available for residential mortgages only. KBC has reduced a number of its fixed rates across one, two, three, and five years. If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. Based on the above LTV of x% you can avail of a mortgage rate of X.XX% (X.XX% APRC). A contribution of €3,000 towards your professional fees (legal and valuation costs) is available subject to the following conditions: We reserve the right to amend, modify, cancel, withdraw or change the terms on which this contribution is available at any time at our sole discretion. KBC subsequently approve your mortgage application and you draw down the mortgage within the availability period set out in your Letter of Offer; You are switching the mortgage on your existing property to KBC from another lender, it is your principal private residence; The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the mortgage to the account from which the monthly mortgage repayment is or will be paid; and. Based on the above LTV of x% you can avail of a variable mortgage rate of x% (X.XX% APRC). We have compiled all of the most important information about mortgages and put it all in one place for you. KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. This will not affect existing customers who have already availed of the discounted current account mortgage rate. 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. the discount will no longer apply. *These rates are reserved for customers who also hold a current account with the bank. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. The repayment results calculated are based on current offered rates for Mortgages. KBC Bank Ireland plc is regulated by the Central Bank of Ireland, Registered in the Republic of Ireland. APRC calculations are based on a typical mortgage of €100,000 over a 20 year term. KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. But what if you could reduce it just by switching to KBC? Find how switching current accounts could help you get a better mortgage rate. The tables below represent new business rates. Your mortgage is probably your biggest monthly expense. 25% off KBC Home Insurance for 1 year for new residential mortgages***. * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. They do not form part of an advertisement. Now the bank is to cut its variable rate by 0.25pc for all mortgage … How we use your 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 Bank Ireland plc is regulated by the Central Bank of Ireland, Registered in the Republic of Ireland. By also taking out your property insurance and mortgage protection cover with us and having your salary paid into a KBC Brussels Current Account. View today's mortgage & refinance rates from Bankrate's national survey of lenders. *Source: Bonkers.ie December 2020. KBC Bank is to reduce a range of its fixed mortgage rates by between 0.25% and 0.55%, while maintaining its 10-year fixed rates.. KBC Bank has announced new lower mortgage interest rates for customers. Offer expires 30th June 2021. Max loan amount will typically not exceed 3.5 times an individual’s gross annual income. Watch Queue Queue. LTV = Loan to Value KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. 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. The minimum Total Annual Income for a single / (joint) application is €30,000 / (€35,000). With a fixed interest rate, the monthly repayment you make is fixed for the period you choose, (normally 1, 2, 3 or 5 years). It is not an offer of a loan. Mortgage Rate Cuts. The Belgian bank is cutting its 2 and 10-year fixed rates here by between 0.2 and 0.55%. 5 year fixed rates of 2.2% for high value mortgages (€300,000) ltv<80% . KBC said a customer with a €250,000 mortgage and a loan to value of 85pc, who selects KBC’s new five-year fixed rate of 2.5pc, will make an interest saving of €2,210 over the five years. 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. If your income is below this, please contact us at 1800 51 52 53. The rates quoted are effective from 2nd March 2020. The contribution is not available (i) in respect of buy to  let properties, (ii) where you are a first time buyer or a moving home and/or (iii) where you are availing of our tracker mover product. After this fixed rate period has passed your interest rate will become a variable rate unless you choose to take a fixed rate … * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. 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. Watch Queue Queue * Terms & Conditions apply Rates for existing KBC Mortgage customers can be found here. 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. 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. When you provide a sufficiently high contribution yourself, KBC Brussels can offer you a lower rate. KBC has reduced some of its fixed rates across one, two, three and five years. With our range of great value fixed rate mortgages, your monthly repayments will stay the same so you’ll always know what you’re paying. 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. APRC = Annual Percentage Rate of Charge. KBC Bank has announced reductions of between 0.2% and 0.3% to its 3 and 5-year fixed mortgage rates, effective from March 1, 2020. Rates effective from 2nd March 2020. *At the end of your fixed rate period you will roll off on to the Buy to Let standard variable rate. KBC reduces fixed mortgage rates by up to 0.55%. The recent mortgage war shows no signs of abating with news that KBC is reducing its mortgage rates. Life moves fast and can bring lots of changes, so it’s good to know that your mortgage doesn’t have to change. There’s a lot to think about when buying your first house but we’re here to bring you through it, step by step. 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. Latest rate change : 17 August, 2020 (KBC now offering first-time buyers and movers a €1,500 contribution towards professional fees. Fixed Mortgage Rates. Your mortgage horizon is very important when choosing between variable and fixed rates. Op onze website kun je je aanmelden in KBC Touch en vind je alle info over zicht- en spaarrekeningen, leningen, hypotheek en beleggen. 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. Rates for existing KBC Mortgage customers can be found here. For fixed rate mortgages, the 0.20% discount is also applied to the relevant LTV roll off rate. Mortgages available: 40 Variable rate mortgages: 8 Fixed rate mortgages: 32. We estimate your monthly repayments will be*, Avail of a further discount of 0.20%. This will not affect existing customers who have already availed of the discounted current account mortgage rate. 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. KBC Re-Finance 10 Year Fixed (LTV 60-80%): Fixed rate mortgage for Refinance from KBC ( Current account offer). Field Information. 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. +To apply for the optional extra 0.20% discounted rate, please contact KBC. This video is unavailable. Ulster offer good value 7 and 10 year fixed rates. Any repayment estimates provided by the 'What will my repayment be' calculation shall be exclusive of any Tax Relief at Source (TRS) receivable. KBC | Mortgage Lenders. Number 40537, Registered Office: Sandwith Street, Dublin 2, Ireland. Fixed rate repayment is applicable for the first year only. 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. When the bank announced a rate cut last month, only customers taking out a mortgage for the first time benefited. 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. Wed, 26 Oct, 2016 - 11:26 These new mortgage rates will be available for new and current KBC mortgage customers. KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. Zurich Insurance plc is regulated by the Central Bank of Ireland. Avail of a further discount of 0.20%. All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question. KBC Bank Ireland has announced a cut in its fixed and variable mortgage rates. 10 year fixed rates <60% ltv from 2.85% . For ease of reference, the table below shows KBC's new business rates with the 0.20% discount already applied. personal data Open a current account with KBC and mandate your salary. **Switcher Conditions: *** 25% off only applies in the first year. You’re making a big move. Whilst you wouldn't appear to save given the details provided please contact us at 1800 51 52 53 about how you could benefit from additional bonuses and discounts on other KBC products. That way, you benefit from the KBC Brussels convenience rate. Your KBC quote includes a 0.2% reduction in your mortgage rate on the assumption that you open a current account with KBC, have at least one salary mandated to this account and use this current account to pay your KBC mortgage. Recently KBC introduced a 10 year fixed rate, they are not the first back to have done this, in the past other banks had them but their prices were high, the difference today is that you can get a 10 year fixed rate mortgage for below 3% and that means it’s worth considering. After year one, New Business LTV Variable Rate of, Mortgage Application Checklist - Self Employed (pdf, 45KB), A fully completed Private Dwelling House (PDH) application form is submitted to KBC on or before 30. 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. Open a current account with KBC and mandate your salary. * Terms & Conditions apply The maximum mortgage balance is 90% of the property value. 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