Payments for mortgage arrears do not show up immediately in ING Achterstanden. It usually takes a few working days. Find out what you can do if you have already paid.
Has the direct debit for your mortgage failed, but you do not see arrears in ING Achterstanden yet? Or do you expect your next direct debit might fail?
"},"textLinks":[{"text":"I expect to fall behind soon","url":"/particulier/achterstand/nog-geen-achterstand"},{"text":"I have a different question about my mortgage","url":"/en/personal/mortgage/your-mortgage"}]},{"componentType":"sectionTitle","title":"Transfer the mortgage payment yourself"},{"componentType":"paragraph","richBody":{"value":"Want to pay your arrears now but it is not possible in ING Achterstanden? Or do you prefer to transfer the amount manually?
"},"textLinks":[{"text":"Find out how","url":"/particulier/achterstand/achterstand-nu-betalen-hypotheek"}]},{"componentType":"sectionTitle","title":"Arrears on your bank savings or investment deposit?"},{"componentType":"paragraph","richBody":{"value":"Some mortgages include monthly deposits to a bank savings account or investment account. These are collected separately from your regular mortgage payment.
How do you resolve arrears on your bank savings deposit?
You cannot transfer bank savings deposits yourself. If you have arrears on your deposit, we will collect it for you. We will try at three moments:
Check ING Achterstanden for the amounts and the date when we will try to collect.
How do you resolve arrears on your investment deposit?
You cannot transfer investment deposits yourself. If you have arrears on your deposits, we will collect it for you.
Check ING Achterstanden for the amount we will try to collect.
"}},{"componentType":"sectionTitle","title":"Need help?"},{"componentType":"paragraph","richBody":{"value":"If you are unable to resolve the arrears on your mortage yourself, we are here to help. In ING Achterstanden, under "Contact", usually it is possible to:
Otherwise, you will find the phone number to reach us.
"}},{"componentType":"cta","textLink":{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/mobile/collections?EW=true"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Get in touch with ING Achterstanden","url":"/particulier/achterstand/contact"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"I’ve taken out a new mortgage
Have you recently signed your mortgage deed at the notary? Please note: we’ll only collect your first monthly mortgage payment after a full month has passed. Example: If your mortgage was finalized on 15 January, we’ll collect your first payment at the beginning of March.
If this period has passed and we still haven’t collected the monthly amount, please contact us.
You can do this via ING Achterstanden. We’re happy to help you find a solution.
I already have a mortgage
If there is not enough money in your account, we won’t be able to collect your monthly mortgage payment. We will try to collect the amount two more times within the same month. If that does not work, we will get in touch with you. Of course, you can also contact us yourself. Go to ING Achterstanden. We are here to help you find a solution.
"},"title":"My monthly mortgage payment was not collected, why?"},{"richBody":{"value":"It’s good to understand why your payment did not go through. Often, you can take steps yourself to make sure the next payment succeeds. Find out how to check the reason behind the failed direct debit, and what you can do to fix it.
"},"textLinks":[{"text":"Find out","url":"/particulier/betalen/incasso/mislukte-incasso"}],"title":"Why did my mortgage payment fail?"},{"richBody":{"value":"Want your mortgage payment to be collected from a different current account? That is possible. You can request to have your monthly mortgage payment debited from another payment account.
"},"textLinks":[{"text":"Change it now","url":"/particulier/hypotheek/jouw-hypotheek/wijziging-incassonummer"}],"title":"How to change the current account from which my mortgage is debited?"},{"richBody":{"value":"If you have a mortgage arrears, we will reach out to you, either in writing or by phone.
In writing
We’ll always send you a message about your arrears. This can be:
By phone
We may also call you to discuss a solution. This could be one of our colleagues, or our digital assistant, Inge.
"},"title":"How do we contact you?"},{"richBody":{"value":"When do we collect your monthly mortgage payment?
You pay your mortgage monthly via direct debit. Below you will find when we collect the amount from your current account.
Make sure there is enough balance
ING collects your mortgage interest and repayments monthly. Please make sure there is enough money in your account so we can successfully debit the full amount. If your balance is too low, we won’t be able to collect the payment.
"},"textLinks":[{"text":"Mortgage collection dates","url":"/en/personal/mortgage/your-mortgage/collectioncalender"}],"title":"What are the direct debit dates for my mortgage?"},{"richBody":{"value":"If you don not pay your monthly mortgage amount, we will charge late payment interest on the unpaid amount. This interest is based on the statutory interest rate, which is currently 4% per year (or 0.01% per day).
The late payment interest will be collected together with your next monthly mortgage instalment.
"},"title":"What costs apply if you have arrears your mortgage payments?"},{"richBody":{"value":"If you miss a monthly mortgage payment, we will inform you. This gives you the chance to catch up the payment. In this case, the arrears will not be reported to BKR.
If you miss three or more payments, we are required to report this to BKR. This results in a negative registration, which remains visible for up to 5 years after your mortgage is fully repaid, even if you’ve caught up on the missed payments or paid off the mortgage.
You can request an overview of your BKR registration directly from BKR.
"},"textLinks":[{"text":"Learn more","url":"/particulier/achterstand/vragen-en-antwoorden/bkr-registratie"}],"title":"Will I get a BKR registration if I fall behind on payments?"},{"richBody":{"value":"If you fall behind on your mortgage payments, this can have serious tax implications. For example, you may not be allowed to deduct unpaid mortgage interest. Did you take out a linear or annuity mortgage after 31 December 2012, or increase your mortgage after that date? If you have mortgage arrears, you risk losing the right to deduct mortgage interest for the entire duration of your mortgage, even if you catch up later. That is why it is important to resolve any arrears as soon as possible. For more information, speak to your tax advisor or visit www.belastingdienst.nl.
Need help? If you are struggling to pay your mortgage, our specialist team is here to help.
Together, we will look at how you can catch up on payments in a way that works for you.
You can reach us via ING Achterstanden in My ING. We’re happy to help you find a solution.
"},"title":"What are the tax consequences of mortgage arrears?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"a12606bc-d26e-43ae-84ae-89c0c83059e6","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Resolving arrears","url":"/en/personal/collections"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/17f70d67ce7eae5/original/Young-man-wearing-orange-parka-in-front-of-old-orange-house.jpg","transformBaseUrl":"https://assets.ing.com/transform/3e596242-81ad-4922-b863-14ed17923929/Young-man-wearing-orange-parka-in-front-of-old-orange-house","type":"image","width":3600},"subtitle":"Missed a mortgage instalment? It happens. Here's what you can do.","title":"Mortgage arrears"},"cta":{"componentType":"cta","textLink":{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/mobile/collections?EW=true"}},"secondaryCta":{"textLink":{"text":"Help logging in","url":"/en/personal/collections/go-to-ing-achterstanden"}},"usps":[{"body":"View your outstanding amount","icon":{"altTextEN":"check, checkmark","altTextNL":"check, vinkje","extension":"svg","original":"https://assets.ing.com/asset/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24}},{"body":"Make a payment now","icon":{"altTextEN":"check, checkmark","altTextNL":"check, vinkje","extension":"svg","original":"https://assets.ing.com/asset/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24}},{"body":"Set up a payment arrangement","icon":{"altTextEN":"check, checkmark","altTextNL":"check, vinkje","extension":"svg","original":"https://assets.ing.com/asset/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24}},{"body":"Need help? Contact us","icon":{"altTextEN":"check, checkmark","altTextNL":"check, vinkje","extension":"svg","original":"https://assets.ing.com/asset/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24}}],"uspsTitle":"In ING Achterstanden you can easily:"},"publishDate":"2026-05-19T11:04:11.596+02:00"}}