A commercial property mortgage works similarly to a residential mortgage. The key difference is that you're purchasing a property for business use. The mortgage terms are tailored accordingly. You can come to us for financing your commercial property if, for example, you want to:
If you’ve built up substantial capital, you can finance the purchase or renovation of a commercial property using your company’s own funds. However, in most cases, it’s more practical to finance it with external capital, such as a commercial mortgage. This is a tailored business loan designed specifically for acquiring commercial property.
"}},{"componentType":"paragraph","richBody":{"value":"Linear repayments & decreasing interest payments
A commercial property mortgage works similarly to the mortgage many Dutch people have for their homes. The difference is that this mortgage is intended for a property where you conduct business, and the terms are adjusted accordingly. At ING, you repay your commercial property mortgage in linear installments: you pay a fixed amount of principal each month, which means your interest payments decrease over time. As a result, your total monthly costs go down throughout the loan term.
"}},{"accordionList":[{"richBody":{"value":"For your commercial mortgage, you can agree on different term lengths, with a minimum of 5 years. A business mortgage with ING includes:
The term is determined in consultation with one of our advisors.
"},"title":"Term"},{"richBody":{"value":"The interest rate for a business mortgage depends on several factors. We assess the risk profile of your company and the collateral you can provide. Additionally, the interest rate is influenced by the fixed interest period you choose. You can find our current interest rates here.
"},"title":"Interest rates"},{"richBody":{"value":"For a business mortgage, a personal investment is usually required. The amount depends on a percentage of the total investment combined with the collateral you can provide. This typically ranges from 10% to 30% of the amount to be financed. In exceptional cases, it is possible to obtain a business mortgage without using your own funds for example, when the collateral is worth significantly more than the total amount you wish to finance through the bank.
The main advantage of partially financing with your own capital is that it reduces your mortgage costs. This means lower monthly expenses for your business mortgage. It also helps you reach the point where the property truly becomes yours more quickly.
"},"title":"Own contribution"},{"richBody":{"value":"The monthly costs of your business mortgage largely depend on the interest rate associated with your loan. In addition, there are one-time costs (excluding the premium for your building insurance) involved in taking out the mortgage.
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Tip: These costs are non-taxable and can be declared as business expenses for tax purposes.
"},"title":"Additional Costs"},{"richBody":{"value":"Buying a commercial property involves several risks:
A business loan allows you to invest in opportunities for your company. However, it also comes with risks. Below are the most common risks, note that this is not an exhaustive list. Important: Always seek proper advice from an (ING) advisor.
1. Your situation may change, affecting your ability to meet obligations
If your financial position or that of your business is threatened due to an economic downturn or disappointing results, and you can no longer meet your obligations to ING, we may refer you to our Special Asset Management department for support.
2. Your interest rate may change. With a variable interest rate, your rate may fluctuate. If market rates rise, your interest rate will increase accordingly, resulting in higher payments than in previous periods. If you have a fixed-rate term and choose to renew it, a new interest rate will be set. This could mean your payments become higher or lower.
For an Euribor Optimaal Loan with a variable Euribor rate, the interest may vary. Your rate could be higher in one period than in another. If market rates rise, your interest rate will rise too, meaning you’ll pay more interest compared to the previous period.
If you choose a shorter fixed-rate term (e.g., 5 years) when purchasing your property, a new interest rate will be determined after 5 years. This new rate may be higher or lower than what you were previously paying, affecting your monthly costs.
3. You may incur additional costs. Additional conditions may apply that result in extra costs, such as valuation fees. These are always specified in the terms of your offer.
4. Your business may change. Changes in your business can affect your loan. For example, if you plan to expand and apply for additional credit, we will assess whether you qualify. We’ll evaluate whether your financial obligations align with your company’s new situation.
When you take out a business mortgage, it’s important to understand what you’re committing to. You can read about this in the General Credit Terms and Conditions. These terms apply to everyone. In addition, there are supplementary conditions that vary for each business. These specific terms are outlined in the offer you receive after your application has been positively assessed.
"},"title":"General Credit Terms and Conditions of ING"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Financing options for your commercial property"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/25015a66429b9831/original/Productfeatures-SVG-illustration-why-a-loan.png","transformBaseUrl":"https://assets.ing.com/transform/b56efd55-6288-462a-b781-29ba9d799f6d/Productfeatures-SVG-illustration-why-a-loan","type":"image","width":224},"intro":"For the purchase or renovation of a commercial property","link":{},"title":"\"Business Loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/43c0eff77da7c995/original/Man-hugging-world-sustainable-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/a0490400-dbf5-4bb9-b5a4-5e9cff03772e/Man-hugging-world-sustainable-spot","type":"image","width":160},"intro":"For sustainable properties or investments in sustainability","link":{"url":"/en/business/sustainable-entrepreneurshup/green-loan"},"title":"Green Financing"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"What does a business mortgage cost?"},{"componentType":"feature","featureName":"orientation-tool-simple"},{"componentType":"sectionTitle","title":"How the application process works"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Find out what a business overdraft will cost in under 1 minute with the ING Quick Check.","textLink":{"text":"ING Quick Check","url":"/en/business/loans-and-finance/calculation"},"title":"Calculate your monthly payment"},{"body":"Apply for your financing in just 5 minutes. Often without annual figures.","title":"Start your application"},{"body":"After applying, you'll immediately receive a no-obligation offer, or we'll contact you within 2 working days.","title":"Receive your offer"},{"body":"Happy with the offer? Sign your contract digitally right away. Your financing will be available within 2 working days.","title":"Receive your financing"}]}},{"componentType":"sectionTitle","title":"Apply for a business mortgage"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/7aad0a5426549549/original/Login_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/3e67fcbd-690b-4df7-aa1a-5c06ea90e2f3/Login_outline_orange_RGB","type":"image","width":267},"intro":"Apply directly for your mortgage via Mijn ING Zakelijk.","link":{"url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true"},"title":"For ING customers"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/3b1df0b0923bacd4/original/Functionalities-Filter_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/b42bcf7f-4ef3-4bb2-9cb8-1ff68f306559/Functionalities-Filter_Outline","type":"image","width":32},"intro":"No problem! Start your application via the ING Quick Check","link":{"url":"/en/business/loans-and-finance/calculation"},"title":"Not yet an ING customer?"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"What other entrepreneurs ask about purchasing commercial property"},{"accordionList":[{"richBody":{"value":"In most cases, ING is willing to finance 70% to 90% of the property’s purchase price. In exceptional cases, financing up to 100% is possible. We assess this based on your company’s financial performance, future projections, and the property you intend to purchase. For example, the bank estimates how easily the property could be resold in the future. Factors such as the building’s energy label also play a role in this assessment.
"},"title":"What part of the purchase price can I finance with ING?"},{"richBody":{"value":"Buying a commercial property is a big step for many entrepreneurs. Make sure not to overlook the following:
The maximum amount of the business mortgage you can receive depends on several aspects of your application:
Yes, to apply for a business mortgage for the purchase of a commercial property, we require a valuation report. After you submit your application, one of our advisors will contact you to explain this in more detail.
"},"title":"Do I need a valuation report?"},{"richBody":{"value":"Absolutely! With the ING Commercial Property Insurance, also known as business building insurance, you can protect your company against the financial consequences of damage. Safeguard your property in case of events such as storms, fire, or burglary.
"},"textLinks":[{"text":"ING Commercial Property Insurance"}],"title":"Can I also insure my commercial property?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"12786e03-ab69-4d17-81ac-4ca9995abfbc","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business loans and asset finance","url":"/en/business/loans-and-finance"}},"componentType":"productHeader","coreHeader":{"body":"Whether your business is growing, you prefer not to rent anymore, or you're simply ready for a place that truly belongs to you: we’re here to help finance your commercial property.","headerImage":{"altTextEN":"Young man holding design plans inside a construction site","altTextNL":"Young man holding design plans inside a construction site","extension":"jpg","original":"https://assets.ing.com/m/5ad566db184da894/original/Young-man-holding-design-plans-inside-a-construction-site.JPG","transformBaseUrl":"https://assets.ing.com/transform/9230839f-8ba6-4663-b532-83cad9ba17fa/Young-man-holding-design-plans-inside-a-construction-site","type":"image","width":5700},"subtitle":"For the purchase, renovation, or refurbishment of real estate or building land.","title":"Business premises"},"cta":{"componentType":"cta","textLink":{"text":"Apply now","url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true"}},"secondaryCta":{"textLink":{"text":"Calculate your monthly payment","url":"/en/business/loans-and-finance/calculation"}},"usps":[{"body":"Easily apply online","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6a0fc3f6b6c4bffd/original/Devices-Ebanking_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a6bd5627-d862-48ba-9b71-075e28fe04f5/Devices-Ebanking_Outline","type":"image","width":32}},{"body":"Trusted bank with 150 years of experience","icon":{"extension":"png","original":"https://assets.ing.com/m/c67c41fbe16bfb7/original/lu-office-outline.png","transformBaseUrl":"https://assets.ing.com/transform/1e62bdb3-f3d4-40df-b419-6a697b68e73a/lu-office-outline","type":"image","width":96}},{"body":"Personal contact with an advisor","icon":{"extension":"svg","original":"https://assets.ing.com/m/6387f2439958c9e5/original/Persons-Avatar_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/854ac23a-649f-48ee-bf15-cf45b9427bf0/Persons-Avatar_Outline","type":"image","width":32}}]},"publishDate":"2026-07-21T16:42:42.492+02:00"}}