FLEXIBLE Options

The following benefits show why an KBC Homeloans mortgage is possibly the best lifestyle mortgage in Ireland, today

Top up
Topping-Up is simple and may be the cheapest way to raise extra money for mortgage holders. By doing so you can take advantage of mortgage rates of interest which are generally much lower than those charged for other types of borrowing such as a personal loan.

Overpayments
Regular or lump sum overpayments means that you can pay off your mortgage ahead of schedule and save on interest payments.

Redraw
This exciting new feature allows any KBC Homeloans customer to withdraw any overpayments, they have made to their mortgage. It is ideal for any customer who has some extra cash, and is fed up earning little or no interest from their current or savings account.

Pick and Mix Terms
This feature simply allows a customer to split a mortgage over different terms. This feature is ideal for people who like the idea of raising cash at mortgage rates of interest, but who do not wish to spread the borrowing over the full term of the mortgage.

Pick and Mix your Mortgage over Different Interest Rates
This feature allows the customer to split their mortgage over different rates – variable or fixed.

To find out more about our flexible options simply contact KBC Homeloans Customer Services team at 01 664 6100.

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.