{"type":"document","data":{"id":"df827335-8ebc-462d-a7f3-4083c6a148d9","localeString":"en-GB","publishDate":"2026-03-12T13:52:38.958+01:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Renovating starts with ING."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/personal/living","text":"Living"}},"coreHeader":{"title":"Renovating","subtitle":"Everything you need to know about renovating"}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Meer informatie over verbouwen"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"De home equity reinvestment rule","intro":"The home equity reinvestment rule explained in brief","body":"The home equity reinvestment rule explained in brief","image":{"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,"original":"https://assets.ing.com/m/3fe4262709adf2d0/original/A-couple-carries-a-couch-up-the-stairwell-in-an-apartment-building.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/buying-a-house/home-equity-reinvestment-rule"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovation costs","intro":"Find out more about the costs of your renovation plans","body":"Find out more about the costs of your renovation plans","image":{"transformBaseUrl":"https://assets.ing.com/transform/50e4f341-008b-4fb4-a986-feda94976214/WOMAN-STANDING-BY-WINDOW-IN-ROOM","type":"image","width":7200,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/97a7770594df692/original/WOMAN-STANDING-BY-WINDOW-IN-ROOM.jpg","extension":"jpg"},"link":{"url":"/en/personal/loans/information-about-borrowing/what-does-renovating-cost"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Pros and cons of renovating","intro":"A clear overview of the advantages and disadvantages","body":"A clear overview of the advantages and disadvantages","image":{"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,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/189489fe638a70d5/original/Young-man-sits-in-new-bath-using-measuring-tape-while-renovating-home.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/jouw-hypotheek/verbouwplannen"}}]},{"componentType":"sectionTitle","title":"Veelgestelde vragen"},{"componentType":"accordion","accordionList":[{"title":"Can I include my renovation in my mortgage?","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":"When should you choose a loan?","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":"Discover your options?","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>"}}]},{"componentType":"sectionTitle","title":"Handige producten"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Orange Savings Account","intro":"Discover the benefits of saving with the Orange Savings Account.","body":"Discover the benefits of saving with the Orange Savings Account.","image":{"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,"altTextEN":"save","altTextNL":"sparen","altTextFR":"épargner","original":"https://assets.ing.com/m/1f5c89d01c060a76/original/A-happy-man-smiles-and-gives-the-camera-a-thumbs-up.jpg","extension":"jpg"},"link":{"url":"/en/personal/savings/savings-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Borrowing money for your renovation","intro":"Find out how a personal loan can help.","body":"Find out how a personal loan can help.","image":{"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,"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","extension":"jpg"},"link":{"url":"/en/personal/loans/your-goals/finance-renovation"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Construction deposit","intro":"Use a construction deposit from ING to pay for your renovation costs.","body":"Use a construction deposit from ING to pay for your renovation costs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/bac637ea-f90f-493d-8e8a-1d9475dbad32/RenovationLoan_-Summerboost","type":"image","width":814,"original":"https://assets.ing.com/m/1fa4693675588591/original/RenovationLoan_-Summerboost.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/your-mortgage/building-fund-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home insurance","intro":"Keep your home and belongings well protected.","body":"Keep your home and belongings well protected.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6dacae0c-d545-4d6e-9ce9-a2c071a41137/GROUP-OF-PEOPLE-SITTING-ON-SOFA","type":"image","width":4239,"original":"https://assets.ing.com/m/bfd641de1467144/original/GROUP-OF-PEOPLE-SITTING-ON-SOFA.JPG","extension":"jpg"},"link":{"url":"/en/personal/insurances/home-insurance"}}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Financing your renovation","intro":"Borrowing money for a renovation","body":"Borrowing money for a 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equity and how can you use it?","image":{"transformBaseUrl":"https://assets.ing.com/transform/e2724082-2501-4098-b679-a6c030f06703/2-RichIcons-Buildings-Loans-01","type":"image","width":160,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/11b35d1ec5a14886/original/2-RichIcons-Buildings-Loans-01.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Increasing your mortgage","intro":"When does it make sense — and what are the pros and cons?","body":"When does it make sense — and what are the pros and cons?","image":{"transformBaseUrl":"https://assets.ing.com/transform/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot","type":"image","width":160,"original":"https://assets.ing.com/m/58408ca2a3d56c48/original/House-mortgage-money-spot.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/your-mortgage/increase-mortgage"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Financing sustainable home improvements","intro":"Finding and arranging the right mortgage","body":"Finding and arranging the right mortgage","image":{"transformBaseUrl":"https://assets.ing.com/transform/1717c6f7-7900-4b31-a24c-4125d49589e8/Duurzaam-wonen","type":"image","width":160,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/6ee35579537f1512/original/Duurzaam-wonen.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/sustainable-living/financing-sustainable-renovation"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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>"}}]}}}