Irish Mortgage Lender Profiles - IIB Homeloans / now known as KBC Mortgages

IIB Homeloans don't have any branches, so they primarily offer mortgages through mortgage brokers.  They were formally known as Irish Life Homeloans.  

Apply for approval with KBC Homeloans (& up to 8 other lenders) or call 1890 44 66 44 to speak to a mortgage consultant.

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

• Interest Only Mortgages:
  3 years (is you are borrowing more than 80%)
  5 years (is you are borrowing 80% or less)
  
  
• Split Mortgages:
  IIB Homeloans 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, IIB offer addition the option to top up the mortgage, as long as you have enough equity, at very low cost. 
  

Who will IIB Homeloans appeal to?

• They provide good service - they regularly win the IMAV lender of the year award.
  

Who will IIB Homeloans not appeal to?

• Lower income earners tend to get higher approval amounts from other lenders.
• Their interest rates are not among the best in the market.
  

If you want to apply for a mortgage with IIB Homeloans, why should you apply through Mortgages Direct?

• Independent Mortgage Brokers
  Mortgages Direct are independent mortgage advisers, so they'll be able to review your details, and see if IIB Homeloans will offer the best package or if a more suitable one is available for you with another lender. 
  
  
• No Broker Fees
  Because Mortgages Direct get their fees paid by the mortgage lenders, they do not charge you a fee.
  
  
• Low Cost Legal Fees.  
  Refinancing: €1299 flat fee / free legal fees on selected mortgages.
  Buying a home: €947 + vat + outlay
  
  
• Price Match Guarantee.
  Mortgages Direct guarantee to match the cheapest mortgage protection quote offered by 8 of the leading insurance companies in Ireland (including Irish Life, Friends First, Caledonian Life, Eagle Star, etc) - so you should save money on your mortgage protection insurance too.
  
  
• Well Trained Staff
  The mortgage consultants are very experienced, know what the lenders like and dislike, so they'll find the right lender, at the right price and take a lot of the hard work out of your hands.  
  
  Arranging a mortgage can be a full time job, but it doesn't need to be your job....

Apply for approval with IIB Homeloans (& up to 8 other lenders) or call 1890 44 66 44 to speak to a mortgage consultant.

Other Popular Articles:

• Legal Fees Calculator - don't get caught out by hidden fees - work out ALL your costs
  
  
• Buying a Home - Step by Step
  
• Mortgage Application Process
  
• Rates & Costs
• Do I Need a deposit?
  
• Which type of mortgage is best for me?
• How Much Can I Borrow?
• Would I Be Approved?
• Approval in Principle - Why it's so Important
• Online Mortgage Application

• Mortage Lender Profiles

Mortgages Direct Ltd t/a Mortgages Direct is regulated by the Financial Regulator.