Mortgages Ireland - KBC Homeloans Mortgages Provider Ireland

Useful Government Contacts

There are a number of government organisations which can provide you with advice and assistance.

Social Welfare
The website of the Department of Social & Family Affairs has details on job seekers allowance, mortgage interest supplement and other welfare benefits that you may be entitled to.
Web:www.welfare.ie

Revenue
The revenue website contains information on all tax credits and benefits that you may be entitled to. It also has full details of the various contact numbers for all local centres.
Web:www.revenue.ie

Financial Regulator
The Financial Regulator website provides independent information on financial products and includes Code of Conduct on Mortgage Arrears which applies to KBC Homeloans.
Web:www.itsyourmoney.ie
Telephone:1890 777 777

MABs
The Money Advice & Budgeting Service is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
Web:www.mabs.ie
Telephone:1890 283 438

Citizens Information
The Citizens Information Board is the statutory body which supports the provision of information, advice and advocacy on a broad range of public and social services including health, employment, social welfare and money.
Web: www.citizensinformation.ie

Variable rate warning:
The cost of your monthly repayments may increase - If you do not keep up your repayments you may lose your home. The payment rates on this housing loan may be adjusted by the lender from time to time

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it

Fixed rate warning:
You may have to pay charges if you pay off your fixed-rate loan early

Interest only warning:
The entire amount that you have borrowed will still be outstanding at the end of the interest-only period

Debt consolidation warning:
This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term

Endowment loan warning:
there is no guarantee that the proceeds of the [Insurance Policy / Pension Policy] will be sufficient to repay the loan in full when it becomes due for repayment

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 of up to a maximum of 50% of disposable income and will vary according to individual circumstances. A typical variable mortgage rate of �100,000 over 20 years costs �598 per month (APR 3.92%) excluding insurance. The cost of your monthly repayments may increase. A 1% rise will increase this repayment to �652 (APR 4.96%) excluding insurance. This is an increase of �54 per month. Rates quoted above are correct as at 1st September 2010. Please contact KBC Bank 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.

Useful Government Contacts

Difficulty with paying your mortgage?

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