KBC Bank Ireland plc t/a KBC Homeloans is regulated by the Financial Regulator. Lending criteria Terms and Conditions apply. Security and insurance are required. The maximum mortgage is 80% of the property value. As a general rule, loan amounts are subject to monthly repayments not exceeding 30% to 40% of disposable income and will vary according to individual circumstances. A typical variable mortgage rate of €100,000 over 20 years costs € 534 per month (APR 2.62%) excluding insurance. The cost of your monthly repayments may increase. A 1% rise will increase this repayment to € 585 (APR 3.65%) excluding insurance. This is an increase of € 51 per month. Rates quoted above are correct as at 14th July 2009. Please contact KBC Homeloans to receive more information on charges which may apply to early repayment of fixed loans. For accurate real-time information and rates, please contact KBC directly for specific tailored information to meet your particular requirements. All information, prices and rates quoted in this Guide are for guidance only and do not form any part of a legal contract, agreement or understanding.