KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. You’re making a big move. Op onze website kun je je aanmelden in KBC Touch en vind je alle info over zicht- en spaarrekeningen, leningen, hypotheek en beleggen. *To apply for the optional extra 0.20% discounted rate, please contact KBC. The tables below represent new business rates. the discount will no longer apply. Open a current account with KBC and mandate your salary. Number 40537, Registered Office: Sandwith Street, Dublin 2, Ireland. KBC Home Insurance products are underwritten, administered and provided by Zurich Insurance plc. At KBC, we’re dedicated to helping and supporting our customers. 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. Ulster offer existing customers the same rates as new customers . We have compiled all of the most important information about mortgages and put it all in one place for you. 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. The maximum mortgage balance is 90% of the property value. Rates are provided for information purposes only. Wed, 26 Oct, 2016 - 11:26 These new mortgage rates will be available for new and current KBC mortgage customers. The rates quoted are effective from 2nd March 2020. +To apply for the optional extra 0.20% discounted rate, please contact KBC. KBC reduces fixed mortgage rates by up to 0.55%. This is the latest cut in an emerging trend of banks lowering fixed mortgage rates. 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. KBC | Mortgage Lenders. You can also drop into your local Hub or contact your financial advisor. Max loan amount will typically not exceed 3.5 times an individual’s gross annual income. 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. Click here for important information Call us Email us Your KBC Hub Make Appointment KBC’s announcements follow similar rate cuts from Ulster Bank, AIB and Permanent TSB leaving Bank of Ireland as the only major bank not to announce a rate cut. 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. They do not form part of an advertisement. 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. Watch Queue Queue. Based on the above LTV of x% you can avail of a variable mortgage rate of x% (X.XX% APRC). KBC has reduced some of its fixed rates across one, two, three and five years. KBC Re-Finance 10 Year Fixed (LTV 60-80%): Fixed rate mortgage for Refinance from KBC ( Current account offer). But what if you could reduce it just by switching to KBC? 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 minimum Total Annual Income for a single / (joint) application is €30,000 / (€35,000). 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. Offer expires 30th June 2021. KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. Fixed rate repayment is applicable for the first year only. Avail of a further discount of 0.20%. **Switcher Conditions:
This video is unavailable. Should we require any further information or documents to assist in our decision we will be in touch to let you know. We estimate your monthly repayments will be*, Avail of a further discount of 0.20%. 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. * Terms & Conditions apply
Alternatively you can complete the quick form above and a mortgage agent will contact you to discuss your application. Investment Properties; Investment properties: Yes: Applicable rates: All rates advertised available for residential mortgages only. *** 25% off only applies in the first year. Security and Insurance are required. KBC Bank Ireland are set to cut their variable mortgage interest rates for new and existing customers. Mortgage interest rates; Interest Rates Explained Fixed Rates. KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. 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. If any documentation is missing we will let you know exactly what is outstanding for us to progress to the assessment stage. KBC has cut a number of fixed rates for new and existing customers, and increased its cashback switching incentive from €2,000 to €3,000. * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. Before entering this site please take time to read our Terms and Conditions and Privacy Policy. **Discounted rate for one year. APRC = Annual Percentage Rate of Charge. LTV = Loan to Value
Security and Insurance are required. Find how switching current accounts could help you get a better mortgage rate. 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. THE battle to sign up mortgage borrowers has intensified with KBC Bank offering a new cash incentive to first-time buyers and movers. the discount will no longer apply. Offer only available on 3, 5, … Rates for existing KBC Mortgage customers can be found here. If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. 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. What are you waiting for? View today's mortgage & refinance rates from Bankrate's national survey of lenders. * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. The switch and save calculator is for indicative purposes only and the possible saving is based on a monthly saving amount with a variable rate. Rates for existing KBC Mortgage customers can be found here. Based on the above LTV of x% you can avail of a mortgage rate of X.XX% (X.XX% APRC). Number 40537, Registered Office: Sandwith Street, Dublin 2, Ireland. KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. KBC has reduced a number of its fixed rates across one, two, three, and five years. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy. *At the end of your fixed rate period you will roll off on to the Buy to Let standard variable rate. All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question. APRC refers to Annual Percentage Rate of Charge. We’ve got a great range of mortgage options just for movers, so let us help you tick “get mortgage sorted” off your list. Find out how much you could borrow, what your repayments will be or how much you could save by moving your mortgage to KBC. 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. Fixed Mortgage Rates. 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. If you are self-employed the requirements will differ slightly, your mortgage checklist is available here - Mortgage Application Checklist - Self Employed (pdf, 45KB). KBC Home Insurance quotes are valid for 30 days from receipt. KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. Form of credit: mortgage loan for immovable property. 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. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable with the current account offer based on an LTV of <=60%. Now the bank is to cut its variable rate by 0.25pc for all mortgage … The applicable roll off rate is determined by Loan to Value at initial drawdown. Any repayment estimates provided by the 'What will my repayment be' calculation shall be exclusive of any Tax Relief at Source (TRS) receivable. *Source: Bonkers.ie December 2020. personal data
Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. When the bank announced a rate cut last month, only customers taking out a mortgage for the first time benefited. KBC has cut its fixed mortgage rates, reducing its two- and 10-year fixed rates for first-time buyers, switchers and movers. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy. 25% off KBC Home Insurance for 1 year for new residential mortgages***. It is not an offer of a loan. Up to 35 year term. For fixed rate mortgages, the 0.20% discount is also applied to the relevant LTV roll off rate. It is worth pointing out that KBC offers 0.20% off mortgage rates to customers that open a KBC … 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. Before entering this site please take time to read our Terms and Conditions and Privacy Policy. 10 year fixed rates <60% ltv from 2.85% . With a fixed interest rate, the monthly repayment you make is fixed for the period you choose, (normally 1, 2, 3 or 5 years). LTV refers to Loan to Value. Subject to your loan application being approved by KBC Bank NV. *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. Your to-do list is probably a mile long, and getting longer each day! Latest rate change : 17 August, 2020 (KBC now offering first-time buyers and movers a €1,500 contribution towards professional fees. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. KBC Bank has announced new lower mortgage interest rates for customers. Current Account Discount. We will explain what we need and advise you when you should expect the final decision. 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. The maximum mortgage balance is 90% of the property value. Mortgage Rate Cuts.
The move comes in response to a recent reduction in rates by arch rival Ulster Bank. Our Top-Up loans allow you to borrow money at mortgage interests by freeing up some of the equity in your home. 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. T he bank said … 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. If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. 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. We’ve got a competitive range of buy-to-let mortgages and our team are here to talk you through the process. 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. Lending Criteria, Terms and Conditions Apply. The lender has announced reductions of between 0.20% and 0.30% to its 3 and 5-year fixed mortgage rates … 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. 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. Fixed rate repayment is applicable for the first year only. Mortgages available: 40 Variable rate mortgages: 8 Fixed rate mortgages: 32. Field Information. For ease of reference,the table below shows KBC's new business rates with the 0.20% discount already applied. KBC Bank Ireland plc is regulated by the Central Bank of Ireland, Registered in the Republic of Ireland. Tue, 17 Jul, 2018 - 14:12. This will not affect existing customers who have already availed of the discounted current account mortgage rate. Your mortgage is likely to be the largest financial commitment you’ll make in your life. Open a current account with KBC and mandate your salary. Get a lower rate. KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. KBC Bank has today announced a reduction across its range of fixed mortgage rates for homebuyers and switchers. KBC Bank has become the latest lender to announce that it's cutting interest rates on fixed rate mortgages. We helpen je graag. 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. 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. 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. 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