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 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 € 588 per month (APR 3.71%) excluding insurance. The cost of your monthly repayments may increase. A 1% rise will increase this repayment to € 641 (APR 4.75%) excluding insurance. This is an increase of € 53 per month. Rates quoted above are correct as at 1st May 2010. 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.