You pay a fixed amount for advisory costs and a fixed amount for handling costs. These costs include, among other things, the cost of the advisory appointment, the Personal Mortgage Advice report, and the cost of requesting the offer.
"}},{"componentType":"sectionTitle","title":"From which moment do you pay advisory costs?"},{"componentType":"paragraph","richBody":{"value":"Orienting consultations are free. Once the mortgage advisor has included your advice in a Personal Mortgage Advice report, you will need to pay advisory costs. If you take out a mortgage with us, you will also pay handling costs.
Note: Even if you want to increase your existing mortgage and/or take out a second mortgage, you will pay advisory costs.
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/existing-mortgage","text":"More information about a mortgage raise or change"}]},{"componentType":"sectionTitle","title":"Different methods to pay advisory costs"},{"componentType":"paragraph","richBody":{"value":"1. Pay from your own funds
If you want to pay ING’s advisory costs from your own funds, we will debit the advisory fee from your account at the same time as your first monthly mortgage payment. By signing the mortgage offer, you give us permission for this. There are no additional costs for this payment method. Keep in mind, however, that your available funds will decrease.
2. Finance within the mortgage
You can finance the advisory costs within the mortgage. The advisory costs will then be added to the total mortgage amount. This means your mortgage amount, and therefore your monthly payments, will be higher. The amount you want to finance must fit within the maximum possible mortgage amount. Your mortgage advisor can explain this and will take it into account in their advice.
Note: Financing the advisory costs will cost money. How much extra you ultimately pay depends on factors such as the type of mortgage and the fixed interest rate period you choose. Ask your mortgage advisor what this option means for you and what the additional costs will be.
"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase","text":"Advisory costs for a new mortgage or mortgage raise"},{"url":"/en/personal/mortgage/advisory-fees/existing-mortgage","text":"Advisory costs for changes to a current mortgage"}]},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"url":"/particulier/hypotheek/hypotheek-berekenen","text":"Maximale hypotheek berekenen"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Actuele hypotheekrente"},{"url":"/particulier/hypotheek/oversluiten","text":"Hypotheek oversluiten"},{"url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen","text":"Eerste huis kopen"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Ander huis kopen"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Jouw hypotheek"},{"url":"/particulier/hypotheek/hypotheekvormen","text":"Hypotheekvormen"},{"url":"/particulier/hypotheek/duurzaam-wonen","text":"Duurzaam wonen"},{"url":"/particulier/hypotheek/hypotheekadvies","text":"Hypotheekadvies"},{"url":"/particulier/hypotheek/advieskosten","text":"Kosten"},{"url":"/particulier/hypotheek/situatie","text":"Situatie"},{"url":"/particulier/hypotheek/woondiensten","text":"Woondiensten"},{"url":"/particulier/hypotheek/contact","text":"Contact"}]}]}}}