You pay a fixed amount for advisory costs and a fixed amount for handling fees. These include, among other things, the fees of the advisory appointment, the Personal Mortgage Advice report, and the fees of requesting the offer.
"}},{"componentType":"sectionTitle","title":"From which moment do you pay advisory fees?"},{"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 fees. If you take out a mortgage with us, you will also pay handling fees.
Note: Even if you want to increaseyour existing mortgage and/or take out a second mortgage, you will pay advisory fees.
"},"textLinks":[{"text":"More information about a mortgage increase or change","url":"/en/personal/mortgage/advisory-fees/existing-mortgage"}]},{"componentType":"sectionTitle","title":"Different methods to pay advisory fees"},{"componentType":"paragraph","richBody":{"value":"1. Pay from your own funds
If you want to pay ING’s advisory fees 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 fees within the mortgage. The advisory fees 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 fees 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 fees will be.
"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"Advisory fees for a new mortgage or mortgage increase","url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase"},{"text":"Advisory fees for changes to a current mortgage","url":"/en/personal/mortgage/advisory-fees/existing-mortgage"}]},{"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":false,"id":"7a610c6d-c517-4697-95cd-0c38ea26fc58","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Advisory fees","url":"/en/personal/mortgage/advisory-fees"}},"componentType":"productHeader","coreHeader":{"body":"Do you want a mortgage? ING charges a fixed amount for advisory fees and a fixed amount for handling fees. This way, you always know where you stand.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/145b48dc01028298/original/vlabel-1920.jpg","publishedAt":"2022-10-05T10:08:51Z","transformBaseUrl":"https://assets.ing.com/transform/85813b33-5cfa-49af-907e-18f9827cde70/vlabel-1920","type":"image","updatedAt":"2022-10-05T10:11:52Z","width":1920},"subtitle":"What are the possibilities?","title":"How do you pay for advisory fees?"}},"publishDate":"2026-08-31T16:50:25.643+02:00"}}