To buy a home, you need your own funds. You can’t borrow more than the value of your new home. All other costs are paid by you directly, using savings, for example. Think of the costs for mortgage advice and the civil‑law notary.
Here’s how to calculate how much of your own funds you need
Broadly speaking, there are 5 steps before you receive the keys to your first home. For each step, we explain what’s best to do. There’s a first time for everything!
Buy your first home in 5 steps
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What is equity and what can you do with it?
"},"title":"What is home equity and what can you do with it?"},{"richBody":{"value":"You can take out an Interest‑Only Mortgage for up to 50% of your home’s market value. Anything above 50% of the market value is then borrowed using another mortgage type, or (partly) financed with your own funds. In addition, with an Interest‑Only Mortgage you can only claim mortgage interest tax relief under certain conditions.
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Which grants are available? You’ll find it here.","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/652ea162481c5bbf/original/renovation-loan.png","transformBaseUrl":"https://assets.ing.com/transform/12c09012-73f4-4951-92d2-c2a222bc903f/renovation-loan","type":"image","width":1018},"intro":"How do you get started? Which grants are available? You’ll find it here.","link":{"url":"/en/personal/mortgage/sustainable-living"},"title":"Sustainable living"}],"componentType":"cards"}]},"hasMacro":false,"id":"eca6e33b-c68e-4305-a74f-582434097c92","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
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