{"type":"document","data":{"contentType":"onecms:subCategoryPage","flexPageMetadata":{"afmBanner":false,"description":"Renovating starts with ING.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Meer informatie over verbouwen"},{"cards":[{"body":"The home equity reinvestment rule explained in brief","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/3fe4262709adf2d0/original/A-couple-carries-a-couch-up-the-stairwell-in-an-apartment-building.jpg","transformBaseUrl":"https://assets.ing.com/transform/ee053273-41eb-46ab-8ca1-9965e0dd9e6e/A-couple-carries-a-couch-up-the-stairwell-in-an-apartment-building","type":"image","width":1920},"intro":"The home equity reinvestment rule explained in brief","link":{"url":"/en/personal/mortgage/buying-a-house/home-equity-reinvestment-rule"},"title":"De home equity reinvestment rule"},{"body":"Find out more about the costs of your renovation plans","cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/97a7770594df692/original/WOMAN-STANDING-BY-WINDOW-IN-ROOM.jpg","transformBaseUrl":"https://assets.ing.com/transform/50e4f341-008b-4fb4-a986-feda94976214/WOMAN-STANDING-BY-WINDOW-IN-ROOM","type":"image","width":7200},"intro":"Find out more about the costs of your renovation plans","link":{"url":"/en/personal/loans/information-about-borrowing/what-does-renovating-cost"},"title":"Renovation costs"},{"body":"A clear overview of the advantages and disadvantages","cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/189489fe638a70d5/original/Young-man-sits-in-new-bath-using-measuring-tape-while-renovating-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/8a997dc3-5b60-44b3-83b9-1af2c88db134/Young-man-sits-in-new-bath-using-measuring-tape-while-renovating-home","type":"image","width":5616},"intro":"A clear overview of the advantages and disadvantages","link":{"url":"/particulier/hypotheek/jouw-hypotheek/verbouwplannen"},"title":"Pros and cons of renovating"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Veelgestelde vragen"},{"accordionList":[{"richBody":{"value":"<p>It’s possible to finance (part of) your renovation costs through your mortgage. To do this, it’s important to know the value of your home after the renovation. If an independent appraiser confirms this future value in an appraisal report, that amount becomes the maximum you can borrow.</p><p>Read more about including a <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/renovating\">renovation in your mortgage</a>.</p>"},"title":"Can I include my renovation in my mortgage?"},{"richBody":{"value":"<p>Good question! Because this varies from person to person and depends on your financial situation, it’s difficult to say what’s best for you. Read more here about the <a data-type=\"internal\" href=\"/en/personal/loans/information-about-borrowing/what-does-renovating-cost\">key points to consider</a>.</p>"},"title":"When should you choose a loan?"},{"richBody":{"value":"<p>Did you know you can renovate in different ways? Explore how to <a data-type=\"internal\" href=\"/en/personal/mortgage/sustainable-living/financing-sustainable-renovation\">finance your renovation</a> — from subsidies to a mortgage — so your house truly becomes your home.</p>"},"title":"Discover your options?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Handige producten"},{"cards":[{"body":"Discover the benefits of saving with the Orange Savings Account.","cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"save","altTextFR":"épargner","altTextNL":"sparen","extension":"jpg","original":"https://assets.ing.com/m/1f5c89d01c060a76/original/A-happy-man-smiles-and-gives-the-camera-a-thumbs-up.jpg","transformBaseUrl":"https://assets.ing.com/transform/8a182c03-4ac8-4ef3-86d9-38f73ebfdfb5/A-happy-man-smiles-and-gives-the-camera-a-thumbs-up","type":"image","width":7990},"intro":"Discover the benefits of saving with the Orange Savings Account.","link":{"url":"/en/personal/savings/savings-account"},"title":"Orange Savings Account"},{"body":"Find out how a personal loan can help.","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/6ce3b74b9706f7ed/original/A-man-gives-a-happy-young-boy-a-piggy-back-ride-at-home-in-the-living-room.jpg","transformBaseUrl":"https://assets.ing.com/transform/bffa7c45-e031-476d-9780-63983a098217/A-man-gives-a-happy-young-boy-a-piggy-back-ride-at-home-in-the-living-room","type":"image","width":5495},"intro":"Find out how a personal loan can help.","link":{"url":"/en/personal/loans/your-goals/finance-renovation"},"title":"Borrowing money for your renovation"},{"body":"Use a construction deposit from ING to pay for your renovation costs.","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1fa4693675588591/original/RenovationLoan_-Summerboost.jpg","transformBaseUrl":"https://assets.ing.com/transform/bac637ea-f90f-493d-8e8a-1d9475dbad32/RenovationLoan_-Summerboost","type":"image","width":814},"intro":"Use a construction deposit from ING to pay for your renovation costs.","link":{"url":"/en/personal/mortgage/your-mortgage/building-fund-account"},"title":"Construction deposit"},{"body":"Keep your home and belongings well protected.","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/bfd641de1467144/original/GROUP-OF-PEOPLE-SITTING-ON-SOFA.JPG","transformBaseUrl":"https://assets.ing.com/transform/6dacae0c-d545-4d6e-9ce9-a2c071a41137/GROUP-OF-PEOPLE-SITTING-ON-SOFA","type":"image","width":4239},"intro":"Keep your home and belongings well protected.","link":{"url":"/en/personal/insurances/home-insurance"},"title":"Home insurance"}],"componentType":"cards"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"body":"Borrowing money for a renovation","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/72230f9400768d9f/original/renovations.svg","transformBaseUrl":"https://assets.ing.com/transform/bbcdb100-cf11-4ab3-8b76-dc05ce544851/renovations","type":"image","width":1500},"intro":"Borrowing money for a renovation","link":{"url":"/en/personal/loans/your-goals/finance-renovation"},"title":"Financing your renovation"},{"body":"How a building fund works","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/4ac8bfcc682f2af3/original/wheelbarrowphonework.svg","transformBaseUrl":"https://assets.ing.com/transform/261574b0-3790-4dc9-9372-faad108024fd/wheelbarrowphonework","type":"image","width":1500},"intro":"How a building fund works","link":{"url":"/en/personal/mortgage/your-mortgage/building-fund-account"},"title":"Building fund"},{"body":"What is home equity and how can you use it?","cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/11b35d1ec5a14886/original/2-RichIcons-Buildings-Loans-01.svg","transformBaseUrl":"https://assets.ing.com/transform/e2724082-2501-4098-b679-a6c030f06703/2-RichIcons-Buildings-Loans-01","type":"image","width":160},"intro":"What is home equity and how can you use it?","link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity"},"title":"Using your home equity"},{"body":"When does it make sense — and what are the pros and cons?","cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/58408ca2a3d56c48/original/House-mortgage-money-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot","type":"image","width":160},"intro":"When does it make sense — and what are the pros and cons?","link":{"url":"/en/personal/mortgage/your-mortgage/increase-mortgage"},"title":"Increasing your mortgage"},{"body":"Finding and arranging the right mortgage","cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6ee35579537f1512/original/Duurzaam-wonen.svg","transformBaseUrl":"https://assets.ing.com/transform/1717c6f7-7900-4b31-a24c-4125d49589e8/Duurzaam-wonen","type":"image","width":160},"intro":"Finding and arranging the right mortgage","link":{"url":"/en/personal/mortgage/sustainable-living/financing-sustainable-renovation"},"title":"Financing sustainable home improvements"}],"componentType":"cards"}]},"hasMacro":false,"id":"df827335-8ebc-462d-a7f3-4083c6a148d9","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":"Living","url":"/en/personal/living"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Everything you need to know about renovating","title":"Renovating"}},"publishDate":"2026-03-12T13:52:38.958+01:00"}}