If you sign our mortgage offer, it will usually remain valid for 12.5 months. If your mortgage starts later, you can extend this term by a maximum of 12 months. This extension is usually subject to costs. We call this a renewal fee.
"}},{"componentType":"sectionTitle","title":"Renewal fee"},{"componentType":"paragraph","richBody":{"value":"In your offer you will find the percentage of the renewal fee that applies to you. We calculate the fee per day. The table below shows the current percentage of the renewal fee:
Renewal fee: 0.20% | |
|---|---|
This rate applies to new applications issued from 27 March 2026. |
Good to know: Do you have loan parts with Variable Interest rate, or loan parts that you take with you from another ING mortgage? You will then not be charged a renewal fee.
"}},{"componentType":"sectionTitle","title":"What if my mortgage does not pass within 24.5 months?"},{"componentType":"paragraph","richBody":{"value":"There may be situations where the mortgage does not pass within 24.5 months. Think of a new construction project in which the construction is constantly postponed or a when seller who terminates the purchase contract. If your mortgage does not pass within 24.5 months, ING may bring cancelation costs into account.
Should your mortgage not pass within 24.5 months, please contact ING (020 228 88 88) or your intermediary as soon as possible.
"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/historic","text":"Historical renewal fee"}]},{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"},{"url":"/en/personal/mortgage/mortgage-refinancing","text":"Refinancing your mortgage"},{"text":"Buying your first home"},{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/maximum-mortgage-calculation","text":"Buying your next home"},{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage types"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/advisory-fees","text":"Costs"},{"url":"/en/personal/mortgage/situation","text":"Situation"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/mortgage/contact","text":"Contact"}]}]},"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.
"}}]}}}