{"type":"document","data":{"contentType":"onecms:subCategoryPage","flexPageMetadata":{"afmBanner":false,"description":"Everything you need to know about financing a home.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Useful products"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/6b46c3b074c12486/original/Mortgages-advisor-appointment.png","transformBaseUrl":"https://assets.ing.com/transform/f264ac3f-316e-4808-afb7-1bf2fac36152/Mortgages-advisor-appointment","type":"image","width":2500},"intro":"During an orientation meeting with a mortgage adviser, you’ll discuss your maximum borrowing capacity and the monthly payments that come with it.","link":{"url":"/en/personal/mortgage/contact"},"title":"Orientation mortgage appointment"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/38ad0eb834d80bae/original/2-RichIcons-Cost-Categorisation-Private-Other-extra-mortgage-repayment.svg","transformBaseUrl":"https://assets.ing.com/transform/344c7200-2cdb-46bb-bd2c-1dc0acdce044/2-RichIcons-Cost-Categorisation-Private-Other-extra-mortgage-repayment","type":"image","width":160},"intro":"For example, for a new kitchen, more living space, or to make your home more sustainable—such as with solar panels or better insulation","link":{"url":"/en/personal/loans/your-goals/finance-renovation"},"title":"Borrowing money for renovations"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/1762a438ef2ea941/original/Savings.png","transformBaseUrl":"https://assets.ing.com/transform/8c78bbcc-d614-418b-951a-a8a130f74ccb/Savings","type":"image","width":160},"intro":"Create saving goals, set up automatic deposits, and access your money anytime, anywhere","link":{"url":"/en/personal/savings/savings-account"},"title":"Savings account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/5b8445c61c217d79/original/maxhypberekenen-cutout.svg","transformBaseUrl":"https://assets.ing.com/transform/c015edde-6e92-4fac-99c9-bb1da8f9f266/maxhypberekenen-cutout","type":"image","width":117},"intro":"Calculate your maximum mortgage—useful when you’re searching for a home or just curious","link":{"url":"/en/personal/mortgage/mortgage-calculator"},"title":"Calculate your mortgage"}],"componentType":"cards"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"Read more about buying a home"},"linkListCTA":{"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},"textLink":{"text":"Make an appointment","url":"/en/personal/mortgage/contact"}},"textLinks":[{"text":"Buying your first home"},{"text":"Buying your next home","url":"/en/personal/mortgage/buying-a-house/buying-another-house"},{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"},{"text":"Free exploratory consultation","url":"/en/personal/mortgage/contact"},{"text":"Property services","url":"/en/personal/mortgage/property-services"},{"text":"Mortgage types","url":"/en/personal/mortgage/mortgage-types"}]}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/548b3efd00efa62a/original/Photo-of-a-young-couple-carrying-furniture-as-they-are-moving-into-a-new-apartment.jpg","transformBaseUrl":"https://assets.ing.com/transform/0c9fd183-37c3-4fa2-93d0-fa41309438cb/Photo-of-a-young-couple-carrying-furniture-as-they-are-moving-into-a-new-apartment","type":"image","width":8660},"intro":"If you sell your home and move to another property you own, the Dutch Home equity reinvestment rule (Bijleenregeling) may apply to you","link":{"url":"/en/personal/mortgage/buying-a-house/home-equity-reinvestment-rule"},"title":"Home equity reinvestment rule"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"Euro","altTextEN":"Euro","altTextFR":"Euro","altTextNL":"Euro","extension":"jpg","original":"https://assets.ing.com/m/31273233e6e383e9/original/About_1998_Euro.JPG","transformBaseUrl":"https://assets.ing.com/transform/4ca42d50-b453-4c5a-a3aa-75e5b40ff6c0/About_1998_Euro","type":"image","width":480},"intro":"You’ll need to use some of your own money when buying a home. For example, to cover the costs of mortgage advice or the notary","link":{"url":"/en/personal/mortgage/buying-a-house/own-capital"},"title":"Using your own funds"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/58999358f8fcc27e/original/Midsection-of-woman-sitting-by-potted-plant.jpg","transformBaseUrl":"https://assets.ing.com/transform/55116598-7dd7-4f78-bc06-8e230bddecf9/Midsection-of-woman-sitting-by-potted-plant","type":"image","width":7200},"intro":"What is home equity, and how can you use it? There are several ways to make use of the equity in your home","link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity"},"title":"Using your home equity"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/53a74fdf9a13fb41/original/Young-couple-kissing-in-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/801cfccc-9667-4720-89b0-15694e9287b0/Young-couple-kissing-in-home","type":"image","width":5700},"intro":"A student loan debt only affects how much you can borrow. The good news: even with a student loan, you can still get a mortgage","link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/student-loan-debt"},"title":"Student loan debt"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/6d6ecf6a53e573b1/original/move-in-living-together-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/c7a8d9d8-112a-4f28-b177-d5b3dda323c6/move-in-living-together-1920","type":"image","width":1920},"intro":"Transfer your current interest rate and make use of the moving-home arrangement. Here’s how it works.","link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/taking-your-mortgage-with-you"},"title":"Taking your mortgage with you"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/7271d404e12585aa/original/mortgage-process-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","type":"image","width":1920},"intro":"Looking to buy a home but don’t have a permanent employment contract? That doesn’t have to be a problem","link":{"url":"/en/personal/mortgage/buying-a-house/without-a-permanent-contract"},"title":"Without a permanent contract"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/69f90beb2dd03032/original/A-red-colored-facade-of-an-old-residential-building-with-balconies.jpg","transformBaseUrl":"https://assets.ing.com/transform/0c069372-2679-40e2-b3c2-3cc989952af1/A-red-colored-facade-of-an-old-residential-building-with-balconies","type":"image","width":1920},"intro":"Easily calculate the maximum mortgage available to you. Handy when you’re looking to buy a home—or if you’re simply curious","link":{"url":"/en/personal/mortgage/mortgage-calculator"},"title":"Calculate your mortgage"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/5e822a5d9e123f07/original/ockto_header.png","transformBaseUrl":"https://assets.ing.com/transform/55274102-2fe9-4580-bb8f-53e8ea7dbda9/ockto_header","type":"image","width":620},"intro":"Start by calculating your monthly mortgage payments. That way, you’ll know exactly what to expect each month","link":{"url":"/en/personal/mortgage/monthly-costs/calculate-monthly-mortgage-costs"},"title":"Monthly mortgage payments"}],"componentType":"cards"}]},"hasMacro":false,"id":"72b60178-5c23-42ef-bda4-1334a7d75449","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>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.</p>"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Buying a home","url":"/en/personal/living/buying-a-house"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Everything you need to know about financing a home.","title":"Financing a home"}},"publishDate":"2026-03-16T13:31:04.176+01:00"}}