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Mortgage Rates

Mortgage Rates November 2019

ProviderKBC CA Offer*
   
Residential Homeloan Rates
Maximum LTV90% 90% 90% 90% 90% 90% 90%90%90%
Variable Green Mortgage Discount1 Yr DiscC/A
<50%3.2%3%2.75%2.75%2.7%3.9%N/A3.7%3.2%3.5%3.1%2.75%
<60%3.2%3%2.95%2.95%2.7%3.9%N/A3.8%3.3%3.5%3.1%2.95%
<70%3.25%3.05%2.95%2.95%2.95%4.2%N/A3.9%3.4%3.7%3.2%2.95%
<80%3.25%3.05%2.95%2.95%2.95%4.2%N/A4%3.5%3.7%3.2%2.95%
<90%3.5%3.3%3.15%3.15%3.15%4.2%N/A4.2%3.7%3.9%3.6%3.15%
Note: KBCI New Business rates apply to First Time Buyer, Mover & Switcher mortgages
Standard Variable Rate4.25%4.05%3.15%3.15%3.15%4.5%4.3%4.3%N/A
FixedGreen Mortgage Discount**C/A
1 year <90%2.7%2.5%3.15%3.15%N/A2.9%2.7%3.20% (3.30% >80%)N/AN/AN/A
2 year <60%2.45%2.25%3.15%3.15%N/A2.9%2.7%3.2%2.3% N/AN/A
2 year 60%-80%2.5%2.3%3.15%3.15%N/A2.9%2.7%3.3%2.3% N/AN/A
2 year 80%-90%2.5%2.3%3.15%3.15%N/A2.9%2.7%3.6%2.3% N/AN/A
3 year <60%2.75%2.55%2.85%2.85%2.55%3%2.8%2.8%2.9%2.8%2.35%
3 year 60%-80%2.8%2.6%2.85%2.85%2.6%3%2.8%2.85%2.95%2.85%2.4%
3 year 80%-90%2.85%2.65%2.85%2.85%2.65%3%2.8%2.9%2.99%2.9%2.65%
4 yearN/AN/A2.85%2.85%N/AN/AN/AN/A2.6% N/AN/A
5 year <60%2.8%2.6%2.85%2.85%2.6%2.8%2.9%2.6%2.6%2.4%
5 year 60%-80%2.85%2.65%2.85%2.85%2.65%2.8%2.95%2.6%2.6%2.45%
5 year 80%-90%3%2.8%2.85%2.85%2.8%2.8%3%2.6%2.6%2.8%
7 year <60%N/AN/A3.15%3.15%N/AN/AN/A3.1%2.99%N/A2.95%
7 year 60%-80%N/AN/A3.15%3.15%N/AN/AN/A3.2%2.99%N/A3.4%
7 year 80%-90%N/AN/A3.15%3.15%N/AN/AN/A3.35%2.99%N/A3.6%
10 year <60%3.05%2.85%3.3%3.3%N/A3.3%3.1%N/AN/AN/AN/A
10 year 60%-80%3.19%2.99%3.3%3.3%N/A3.3%3.1%N/AN/AN/AN/A
10 year 80%-90%3.4%3.2%3.3%3.3%N/A3.5%3.3%N/AN/AN/AN/A
Note: The Current Account discount of 0.20% carries to the relevant roll off rate. KBC's New Business Fixed rates roll off to the New Business LTV variable rates.
Buy to Let
<50% Variable 4.5%N/A4.85%N/AN/A3.75%4.80%***4.50%****3.75%*****
>50% Variable4.8%N/A4.85%N/AN/A3.95%5.05%***4.95%****3.95%*****
3 Year Fixed5.25%N/A5.95%N/AN/AN/A4.65%***N/AN/A
5 Year Fixed5.25%N/A6.35%N/AN/AN/A4.85%***5.40%****N/A

* BOI: BOI customers with a balance of >€400k have the option to not avail of cashback in return for a 50bps discount on their 5 year fixed rate only - can be combined with 20bps Green Mortgage discount.

** Green Mortgage Discount only available for fixed rate customers. Green Mortgage Discount only available for the initial fixed period - property must have a BER rating of A3 or better. BTL Fixed Rate quoted = 50%-75% LTV Band.

*** PTSB: Buy to Let rate quoted is 60%-75% LTV

**** Ulster Bank: BTL Fixed Rate quoted are 60%-70% LTV. ˆFor CBI non-exception business only.

***** Finance Ireland: BTL <50% rate quoted is for <=60% LTV,  <50% rate quoted is for 60%-70% LTV

*Incorporates a 0.20% discount on the equivalent new business rate. To avail of this offer, the applicant must have a Primary KBC current account, to which their salary is mandated and their monthly mortgage direct debit is paid from. For fixed rate mortgages, the 0.20% discount is also applied to the relevant LTV roll off rate.

All provider rates correct and effective as at 03.10.2019

All information, prices and rates quoted in this Guide in respect of other institutions have been obtained from publicly available sources. Mortgage123 accept no responsibility or liability for this information. 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. For accurate real-time information and rates, please contact Mortgage123 directly for specific tailored information.

PTSB where the loan is over €250,000 and less than 80% reduce the 3 year and 5 year fixed by 0.15%