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Irish Mortgage Lender Profiles - KBC Mortgage Bank (formally known as IIB Homeloans)
KBC don't have any branches, so they primarily offer mortgages through mortgage brokers. They were formally known as IIB Homeloans & Irish Life Homeloans.
Loan to Value:
- First Time Buyers: Up to 80% Mortgages
- Owner Occupiers: Up to 80% Mortgages
- Refinancing: 80% Mortgages
- Buy to Let: 80% Mortgages (first investment property)
- Buy to Let: 80% (other investment properties)
Mortgage Terms:
- First Time Buyers & Owner Occupiers: Up to 35 years
- Buy to Let: Up to 25 years
Flexible Options
- Split Mortgages:
KBC offer split mortgage options - a split mortgage will allow you to 'split' the mortgage into two parts - taking part on a fixed rate and part on a variable or tracker rate. The benefit is that you can take advantage of some of the flexibilities of the variable or tracker rate (for example to make lump sum payments), while you have some of the security of the fixed rates.
- Flexible Top Up options
Once the mortgage has been in place for a year or so, KBC offer addition the option to top up the mortgage, as long as you have enough equity, at very low cost.
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