If it turns out that an important change needs to be made to the mortgage, ING will prepare a Personal Mortgage Advice report. Examples include removing or adding joint liability (for instance, in the case of divorce). This is an important report because it shows how the change will affect your situation. For this required advice and report, you pay advisory fees. You pay a fixed amount, clear and transparent.
There are also changes to the mortgage that do not require advice. In that case, you only pay administration fees. Even if you have no major changes to your mortgage, you can still choose to request advice and a Personal Mortgage Advice report. Depending on your advice request, the rates below apply.
There is currently a temporary promotion: if you convert an interest-only mortgage loan part into an annuity or linear mortgage loan part, ING will temporarily waive the advice and administration fees. Any fees charged by an independent financial adviser are not included.
"}},{"componentType":"sectionTitle","title":"Why do I pay advisory fees for mortgage changes?"},{"componentType":"paragraph","richBody":{"value":"Due to strict regulations, advice for a change has become more extensive and complex. The fees for this are passed on if a change requires a Personal Mortgage Advice report.
There are several situations in which you will receive a Personal Mortgage Advice report:
"}},{"componentType":"sectionTitle","title":"1. Personal Mortgage Advice report for changes"},{"componentType":"paragraph","richBody":{"value":"Below you will find an overview of mortgage changes and the associated fees.
| Overview of advisory fees for mortgage changes | |
|---|---|
| Removal or addition of joint liability (for example, in the case of divorce) | %{prijs.hyp.kosten:beheer.OHA.totaal.eur}% (including %{prijs.hyp.kosten:beheer.administratiekosten.regulier.eur}% administration costs) |
| Advice when changing your mortgage (for example, changing the repayment type, term, or an intermediate interest adjustment) | %{prijs.hyp.kosten:beheer.wijziginghypotheekmetadvies.totaal.eur}% (including %{prijs.hyp.kosten:beheer.administratiekosten.regulier.eur}% administration costs) |
Advice when changing your mortgage where the repayment type changes from interest only to annuity or linear | %{prijs.hyp.kosten:beheer.wijziginghypotheekmetadviesavlnaarann.totaal.eur}% (including %{prijs.hyp.kosten:beheer.administratiekosten.regulier.eur}% administration costs) |
The advisory- and administration fees in the table above are valid from %{prijs.hyp.kosten:beheer.ingangsdatum.dmmmmjjjj}%.
When there is a combination of changes, the advisory fee for the change with the highest advisory costs will always be charged. The administration fees are then capped at a maximum amount %{prijs.hyp.kosten:beheer.administratiekosten.maximaal.eur}%.
Entrepreneurs pay a surcharge of €200 on the advisory fee for removal or addition of joint liability (for example, in the case of divorce).
"}},{"componentType":"sectionTitle","title":"2. Personal Mortgage Advice report for a second mortgage"},{"componentType":"paragraph","richBody":{"value":"Do you need a second mortgage? For example, for a renovation? In that case, you also pay advisory and handling fees. This is a fixed amount.
| Overview advisory and handling fees for a second mortgage | |
|---|---|
| Second mortgage | %{prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.totaal.eur}% (including %{prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.afhandelingskosten.eur}% handling costs) |
You can, of course, also ask all your advice questions to an intermediary. Make sure you clearly agree on the fees your intermediary will ultimately charge and what kind of advice you will receive for that. On the AFM website, you’ll find a handy checklist of the services required for mortgage advice.
You pay the advisory fees from your own funds or finance them as part of your mortgage. The mortgage adviser will gladly explain which method is allowed and which best suits your situation.
When choosing a mortgage, it’s important to be aware of all mortgage rates. That’s why ING has not only listed the mortgage interest rates for you, but also other information about fees:
No rights can be derived from the information on this page. ING cannot be held liable for incorrect information.
"}},{"componentType":"sectionTitle","title":"Do you have questions?"},{"componentType":"paragraph","richBody":{"value":"Would you like to know more about the options for your personal situation? Or would you like to schedule a free introductory meeting? Then contact our customer service or your intermediary.
"}},{"componentType":"sectionTitle","title":"Downloads & information"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"See what information you need during the advisory meeting","url":"/en/personal/mortgage/contact/appointment-details"},{"text":"Comparison chart (PDF)","url":"https://assets.ing.com/asset/de5377d3-ea16-4d97-81bc-583b621d24ee/Vergelijkingskaart-Hypotheken-Engels-01082025.pdf"},{"text":"Comparison chart Dutch (PDF)","url":"https://assets.ing.com/m/55d74b9eba1b82b5/original/Vergelijkingskaart-Hypotheken-01082025.pdf"}]},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"Mortgage step by step","url":"/en/personal/expats/mortgages/mortgage-step-by-step"},{"text":"Mortgage advice in English","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Plan orientation meeting","url":"/en/personal/mortgage/contact"},{"text":"Mortgage types","url":"/en/personal/mortgage/mortgage-types"},{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"},{"text":"Current mortgage rates","url":"/en/personal/mortgage/current-mortgage-rates"},{"text":"Advisory fees","url":"/en/personal/mortgage/advisory-fees"},{"text":"Property services","url":"/en/personal/mortgage/property-services"}]}]},"hasMacro":true,"id":"10eeeae9-cbc5-4b35-8272-d9c59cac6b53","localeString":"en-GB","macros":["prijs.hyp.kosten:beheer.OHA.totaal.eur","prijs.hyp.kosten:beheer.administratiekosten.regulier.eur","prijs.hyp.kosten:beheer.wijziginghypotheekmetadvies.totaal.eur","prijs.hyp.kosten:beheer.wijziginghypotheekmetadviesavlnaarann.totaal.eur","prijs.hyp.kosten:beheer.ingangsdatum.dmmmmjjjj","prijs.hyp.kosten:beheer.administratiekosten.maximaal.eur","prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.totaal.eur","prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.afhandelingskosten.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Advisory fees","url":"/en/personal/mortgage/advisory-fees"}},"componentType":"productHeader","coreHeader":{"body":"Do you have a mortgage with ING? Then you naturally have the option to ask questions without obligation. Especially if something changes in your personal situation, it’s wise to review your mortgage.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/631a688797e92544/original/Outstanding-balance-mortgage-insurance.jpg","publishedAt":"2022-07-29T07:58:59Z","transformBaseUrl":"https://assets.ing.com/transform/8b286860-0c44-4801-beef-661c7033e425/Outstanding-balance-mortgage-insurance","type":"image","updatedAt":"2022-07-29T07:59:25Z","width":1920},"title":"Advisory fees current mortgage"}},"publishDate":"2026-09-21T16:33:44.864+02:00"}}