This will not affect existing customers who have already availed of the discounted current account mortgage rate. The Belgian bank is cutting its 2 and 10-year fixed rates here by between 0.2 and 0.55%. Your mortgage is likely to be the largest financial commitment you’ll make in your life. KBC Bank Ireland has announced a cut in its fixed and variable mortgage rates. *To apply for the optional extra 0.20% discounted rate, please contact KBC. Information correct as at 2nd March 2020. We helpen je graag. Mortgage holders being charged up to €2,250 to exit fixed rates AIB charging customers significantly higher break charge than its subsidiary EBS does Tue, Aug 21, 2018, 02:30 If the KBC Home Insurance policy is cancelled before the first 12 months has expired, KBC reserves the right to request the customer to refund the balance of the premium. Based on the above LTV of x% you can avail of a variable mortgage rate of x% (X.XX% APRC). You can also drop into your local Hub or contact your financial advisor. It is not an offer of a loan. 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. 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. We estimate your monthly repayments will be*, Avail of a further discount of 0.20%. Open a current account with KBC and mandate your salary. We’ve got a competitive range of buy-to-let mortgages and our team are here to talk you through the process. 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. For ease of reference, the table below shows KBC's new business rates with the 0.20% discount already applied. 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. Rates are provided for information purposes only. Rates from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. Mortgage Rate Cuts. 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. Open a current account with KBC and mandate your salary. +To apply for the optional extra 0.20% discounted rate, please contact KBC. 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. *These rates are reserved for customers who also hold a current account with the bank. Watch Queue Queue Get a lower rate. View today's mortgage & refinance rates from Bankrate's national survey of lenders. Investment Properties; Investment properties: Yes: Applicable rates: By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy. The maximum mortgage balance is 90% of the property value. That way, you benefit from the KBC Brussels convenience rate. Subject to your loan application being approved by KBC Bank NV. Up to 35 year term. When you provide a sufficiently high contribution yourself, KBC Brussels can offer you a lower rate. KBC Bank has announced new lower mortgage interest rates for customers. APRC refers to Annual Percentage Rate of Charge. Should we require any further information or documents to assist in our decision we will be in touch to let you know. 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. This is the latest cut in an emerging trend of banks lowering fixed mortgage rates. 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%. 10 year fixed rates <60% ltv from 2.85% . We will explain what we need and advise you when you should expect the final decision. 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. KBC reduces fixed mortgage rates by up to 0.55%. KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. Up to 90% finance. *Source: Bonkers.ie December 2020. KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. KBC Home Insurance quotes are valid for 30 days from receipt. *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. 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. KBC is extending the 0.20% discount to qualifying KBC residential mortgage customers as an added extra to the KBC Current Account. Our Top-Up loans allow you to borrow money at mortgage interests by freeing up some of the equity in your home. THE battle to sign up mortgage borrowers has intensified with KBC Bank offering a new cash incentive to first-time buyers and movers. They do not form part of an advertisement. Within 3 business days we will let you know if we have everything we need to send your application for assessment. All rates advertised available for residential mortgages only. Security and Insurance are required. 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. Thinking about buying a property to rent out? 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. KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. 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. KBC have recently improved their fixed rates and now offer five year fixed rates from 2.6%. If any documentation is missing we will let you know exactly what is outstanding for us to progress to the assessment stage. 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. 25% off KBC Home Insurance for 1 year for new residential mortgages***. LTV = Loan to Value KBC | Mortgage Lenders. Latest rate change : 17 August, 2020 (KBC now offering first-time buyers and movers a €1,500 contribution towards professional fees. If you are availing of the KBC Current Account Discount Mortgage Offer, you can avail of the interest rate options below. All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question. Rates for existing KBC Mortgage customers can be found here. Open a current account with KBC and mandate your salary. Number 40537, Registered Office: Sandwith Street, Dublin 2, Ireland. Click here for important information Call us Email us Your KBC Hub Make Appointment Fixed rate repayment is applicable for the first year only. You’re making a big move. 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. 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. Rates effective from 2nd March 2020. KBC Bank Ireland are set to cut their variable mortgage interest rates for new and existing customers. Op onze website kun je je aanmelden in KBC Touch en vind je alle info over zicht- en spaarrekeningen, leningen, hypotheek en beleggen. 5 year fixed rates of 2.2% for high value mortgages (€300,000) ltv<80% . The recent mortgage war shows no signs of abating with news that KBC is reducing its mortgage rates. Tue, 17 Jul, 2018 - 14:12. 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. Calculator terms. 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. Your mortgage is probably your biggest monthly expense. 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.. How we use your KBC strongly recommends that, before purchasing any of the above products, you click on the link below to read the Important Information. 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. Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels. Based on the above LTV of, Fixed rate repayment is applicable for the first year only. Your mortgage horizon is very important when choosing between variable and fixed rates. Find out how much you could borrow, what your repayments will be or how much you could save by moving your mortgage to KBC. 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. 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. After year one, the prevailing new business LTV variable rates apply to the mortgage amount; this rate will be determined by the Loan to Value at initial drawdown. Before entering this site please take time to read our Terms and Conditions and Privacy Policy. This video is unavailable. The move comes in response to a recent reduction in rates by arch rival Ulster Bank. At KBC, we’re dedicated to helping and supporting our customers. 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. 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. Mortgages available: 40 Variable rate mortgages: 8 Fixed rate mortgages: 32. The rates quoted are effective from 2nd March 2020. Rate reverts to 3.90% from year two onwards. * If you are an existing residential KBC Mortgage customer please contact our Customer Services Team on 1800 93 92 44 to find out more. personal data Your to-do list is probably a mile long, and getting longer each day! The maximum mortgage balance is 90% of the property value. Ulster offer good value 7 and 10 year fixed rates. KBC Re-Finance 10 Year Fixed (LTV 60-80%): Fixed rate mortgage for Refinance from KBC ( Current account offer). Check out our switcher options and see how much you could save. For fixed rate mortgages, the 0.20% discount is also applied to the relevant LTV roll off rate. Offer expires 30th June 2021. the discount will no longer apply. * Terms & Conditions apply 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. Alternatively you can complete the quick form above and a mortgage agent will contact you to discuss your application. All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products. So you’re taking the first step on the property ladder. We have compiled all of the most important information about mortgages and put it all in one place for you. 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. With a fixed interest rate, the monthly repayment you make is fixed for the period you choose, (normally 1, 2, 3 or 5 years). *** 25% off only applies in the first year. For ease of reference,the table below shows KBC's new business rates with the 0.20% discount already applied. The tables below represent new business rates. KBC Bank has become the latest lender to announce that it's cutting interest rates on fixed rate mortgages. * Terms & Conditions apply There’s a lot to think about when buying your first house but we’re here to bring you through it, step by step. 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. 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. Now the bank is to cut its variable rate by 0.25pc for all mortgage … Rates for existing KBC Mortgage customers can be found here. Find how switching current accounts could help you get a better mortgage rate. But what if you could reduce it just by switching to KBC? T he bank said … The applicable roll off rate is determined by Loan to Value at initial drawdown. KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. **Switcher Conditions: By also taking out your property insurance and mortgage protection cover with us and having your salary paid into a KBC Brussels Current Account. It is worth pointing out that KBC offers 0.20% off mortgage rates to customers that open a KBC … Any repayment estimates provided by the 'What will my repayment be' calculation shall be exclusive of any Tax Relief at Source (TRS) receivable. * 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 from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable <=60% with the current account offer. KBC have recently improved their … 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. Once your application has progressed to the assessment stage we commit to providing you with a decision, either approval in principal or declined, within 10 business days of this notification, in the event we are not in a position to provide you with a decision within 10 business days we will ensure to notify you in advance of any delays. Offer only available on 3, 5, … 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. 1Geographical exclusions may apply for the mobile mortgage team. Current Account Discount. KBC Bank has today announced a reduction across its range of fixed mortgage rates for homebuyers and switchers. Wed, 26 Oct, 2016 - 11:26 These new mortgage rates will be available for new and current KBC mortgage customers. Based on the above LTV of x% you can avail of a mortgage rate of X.XX% (X.XX% APRC). Want to make improvements to your home? Number 40537, Registered Office: Sandwith Street, Dublin 2, Ireland. the discount will no longer apply. 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. Watch Queue Queue. Lending Criteria, Terms and Conditions Apply. After this fixed rate period has passed your interest rate will become a variable rate unless you choose to take a fixed rate … The lender has announced reductions of between 0.20% and 0.30% to its 3 and 5-year fixed mortgage rates … KBC Home Insurance products are underwritten, administered and provided by Zurich Insurance plc. 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