You will be charged advisory fees for things such as an ING Personal Mortgage Advice Report. This report will be drawn up for you by your ING mortgage adviser. These fees are fixed and not related to the amount you're borrowing on your mortgage. This way, you always know where you stand. You can start off with a free exploratory consultation with an ING mortgage adviser. If you take out a mortgage with us, you will also be charged processing fees.
"}},{"componentType":"sectionTitle","title":"What are processing fees?"},{"componentType":"paragraph","richBody":{"value":"Besides advisory fees, you will be charged processing fees when signing for your mortgage. Processing fees are fees relating to taking out the mortgage. These fees are fixed and not related to the amount you're borrowing on your mortgage.
"}},{"componentType":"sectionTitle","title":"Advisory fees for a new mortgage or mortgage increase"},{"componentType":"paragraph","richBody":{"value":"| Fees for new mortgage or mortgage increase | Advice | Processing | Total |
|---|---|---|---|
| New first mortgage | %{prijs.hyp.kosten:acquisitie.eerstehypotheek.advieskosten.eur}% | %{prijs.hyp.kosten:acquisitie.eerstehypotheek.afhandelingskosten.eur}% | %{prijs.hyp.kosten:acquisitie.eerstehypotheek.totaal.eur}% |
| New subsequent mortgage, transfer or remortgaging | %{prijs.hyp.kosten:acquisitie.meenemen.oversluiten.advieskosten.eur}% | %{prijs.hyp.kosten:acquisitie.meenemen.oversluiten.afhandelingskosten.eur}% | %{prijs.hyp.kosten:acquisitie.meenemen.oversluiten.totaal.eur}% |
| 2nd mortgage or increase | %{prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.advieskosten.eur}% | %{prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.afhandelingskosten.eur}% | %{prijs.hyp.kosten:acquisitie.tweedehypotheek.verhogen.totaal.eur}% |
| Increase without advice | %{prijs.hyp.kosten:acquisitie.tweedehypotheekzonderadvies.advieskosten.txt}% | %{prijs.hyp.kosten:acquisitie.tweedehypotheekzonderadvies.afhandelingskosten.eur}% | %{prijs.hyp.kosten:acquisitie.tweedehypotheekzonderadvies.totaal.eur}% |
| Sustainability through increase without advice | %{prijs.hyp.kosten:acquisitie.VerduurzamenviaVerhogenzonderadvies.advieskosten.eur}% | %{prijs.hyp.kosten:acquisitie.VerduurzamenviaVerhogenzonderadvies.afhandelingskosten.eur}% | %{prijs.hyp.kosten:acquisitie.VerduurzamenviaVerhogenzonderadvies.totaal.eur}% |
| Fees as of %{prijs.hyp.kosten:acquisitie.ingangsdatum.dmmmmjjjj}% |
"}},{"componentType":"sectionTitle","title":"Discounts and surcharges on advisory fees for a new mortgage or mortgage increase"},{"componentType":"paragraph","richBody":{"value":"
In some cases, we apply a surcharge or discount to our advisory fees:
| Surcharge for business owner's first mortgage, subsequent mortgage, transfer or remortgaging | %{prijs.hyp.kosten:acquisitie.opslagondernemers.regulier.advieskosten.eur}% |
| Surcharge for business owner's 2nd mortgage or increase | %{prijs.hyp.kosten:acquisitie.opslagondernemers.verhogen.advieskosten.eur}% |
| Fees as of %{prijs.hyp.kosten:acquisitie.ingangsdatum.dmmmmjjjj}% |
"}},{"componentType":"sectionTitle","title":"What will the ING mortgage adviser do for you?"},{"componentType":"paragraph","richBody":{"value":"
Your mortgage adviser will analyse your current situation and your customer profile. Based on calculations, they will show you how much you would need to borrow and what your monthly payments will be. They will give you advice on the mortgage, the fixed-rate period and repayment options. All their advice will be compiled into your Personal Mortgage Advice Report. Your adviser will also discuss how your mortgage may be affected when you die or retire, or if you become disabled or lose your job, and advise you on insurance to protect you against these risks. This, too, will be covered in the report.
At ING, your adviser will be your permanent point of contact throughout the process. They will also guide you through the mortgage application process and be there for you right until you sign your mortgage at the notary’s office.
"}},{"componentType":"sectionTitle","title":"What you will be paying for"},{"componentType":"paragraph","richBody":{"value":"You will be charged a fixed amount for advisory and processing fees. These fees include the fee for the consultation, your Personal Mortgage Advice Report and the fee for requesting the mortgage offer.
"}},{"componentType":"sectionTitle","title":"Advisory fees through an intermediary"},{"componentType":"paragraph","richBody":{"value":"ING works with over 2,700 selected in intermediaries. It will be up to you and your agent to agree on a fee for their services. On the website of the Netherlands Authority for the Financial Markets (AFM), you will find a useful checklist of the services agents are required to provide as part of mortgage advice.
"},"textLinks":[{"url":"https://www.afm.nl/nl-nl/consumenten/themas/producten/hypotheek/hypotheekgesprek","text":"Take a look at the AFM's checklist (Dutch)"}]},{"componentType":"sectionTitle","title":"Advisory fee payment methods"},{"componentType":"paragraph","richBody":{"value":"There are various ways to pay advisory fees: using your own funds or by including them in your mortgage. Your mortgage adviser will be happy to explain which method would be right for you.
"},"textLinks":[{"url":"/particulier/hypotheek/advieskosten/betalen","text":"More about payment methods (Dutch)"}]},{"componentType":"sectionTitle","title":"Increasing your mortgage without advice?"},{"componentType":"paragraph","richBody":{"value":"If you want to save on advisory fees and get started on your home renovation sooner, you can opt to increase your mortgage without getting advice first. This is an option if you have a clear idea of the impact that topping up your mortgage will have on your situation. You will then start the application process yourself, and we will complete it together. No advice, so no advisory fees. Curious to find out if you would be eligible?
"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/verhogen-zonder-advies","text":"Read more about increasing your mortgage without advice here"}]},{"componentType":"sectionTitle","title":"Other information about fees"},{"componentType":"paragraph","richBody":{"value":"When choosing a mortgage, it’s important to be well informed on all the mortgage fees. ING has therefore made a run-down for you, which includes the mortgage rates and other information about fees:
"},"textLinks":[{"url":"/particulier/hypotheek/advieskosten/bestaande-hypotheek","text":"Advisory fees for an existing mortgage (Dutch)"},{"url":"/en/personal/mortgage/current-mortgage-rates/other-mortgage-fees","text":"Surcharges, discounts and other mortgage fees"}]},{"componentType":"paragraph","richBody":{"value":"While ING puts a lot of care and attention into its website ING.nl, there may be typos in the fees. If so, ING cannot be held liable if you incur any losses as a result.
"}},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/c89bf937-bac2-44d2-aa8f-d75a90b3b544/Documents-Pdf_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/44d21e0d4026f0e/original/Documents-Pdf_Outline.svg","extension":"svg"},"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/fcff1c2cbc55110a/original/Checklist-voor-het-eerst-een-huis-kopen.pdf","text":"Consultation checklist for first-time buyers (PDF) (Dutch)"},{"url":"https://assets.ing.com/m/c9cc6af209ddb639/original/Checklist-een-ander-huis-kopen.pdf","text":"Consultation checklist when buying another house (PDF) (Dutch)"},{"url":"https://assets.ing.com/m/c847264e838bac40/original/Checklist-uw-hypotheek-verhogen.pdf","text":"Consultation checklist when increasing your mortgage (PDF) (Dutch)"},{"url":"https://assets.ing.com/m/e49399b461f73593/original/Checklist-uw-hypotheek-oversluiten.pdf","text":"Consultation checklist when remortgaging (PDF) (Dutch)"},{"url":"/en/personal/customer-service","text":"Frequently asked questions about advisory fees"},{"url":"/particulier/hypotheek/advieskosten/betalen","text":"Advisory fee payment methods (Dutch)"},{"url":"https://ing.bynder.com/m/7fdb3928181d755c/1080p-ING_Hypotheekgesprek.mp4","text":"Here’s how a mortgage consultation works (video)"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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.
"}}]}}}