Mortgage rules state that you may borrow a maximum of 100% of the market value of a property. This means you cannot pay the buyer’s costs from your mortgage amount. It is therefore always important to have sufficient savings when buying a house.
"}},{"componentType":"sectionTitle","title":"Ready to start bidding?"},{"componentType":"paragraph","richBody":{"value":"When you’re ready for the next step, we’re happy to help you move forward
"}},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/218fdc52b7523324/original/Call-center-headset-woman-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/8bf6f4df-09ab-4a06-bb04-bea527498888/Call-center-headset-woman-spot","type":"image","width":160},"intro":"Discuss your options in a free introductory consultation with an advisor.","link":{"url":"/en/personal/mortgage/contact"},"title":"Free and no-obligation consultation"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"png","original":"https://assets.ing.com/m/48d32fe59baca8f2/original/document-to-sign.png","transformBaseUrl":"https://assets.ing.com/transform/196ad56a-c3a7-4253-b5e2-9981d04ac169/document-to-sign","type":"image","width":4619},"intro":"Show sellers that you’re confident and well‑prepared with a free orientation certificate.","link":{"url":"/en/personal/mortgage/contact/orientation-certificate"},"title":"Orientation Certificate"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"png","original":"https://assets.ing.com/m/2adab0996673dd98/original/Calculator-large.png","transformBaseUrl":"https://assets.ing.com/transform/ba61e995-1d88-43e6-baf8-a99cad91edc2/Calculator-large","type":"image","width":1500},"intro":"Prefer to first check how much you can borrow? Calculate it in no time","link":{"url":"/en/personal/mortgage/mortgage-calculator"},"title":"Do the calculation yourself"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"More about buyer’s costs"},{"componentType":"paragraph","richBody":{"value":"Have you calculated your buyer’s costs and want to read more about them? Take a look at a more detailed explanation.
"},"textLinks":[{"text":"What are buyer’s costs?","url":"/en/personal/mortgage/buyers-costs"},{"text":"Buyer's agent","url":"/en/personal/mortgage/buyers-costs/buying-agent"},{"text":"Notary fees","url":"/en/personal/mortgage/buyers-costs/notary"},{"text":"Property transfer tax","url":"/en/personal/mortgage/buyers-costs/transfer-tax"},{"text":"Property valuation","url":"/en/personal/mortgage/buyers-costs/valuation"},{"text":"Transfer costs included","url":"/en/personal/mortgage/buyers-costs/all-transfer-costs-included"}]}]},"hasMacro":false,"id":"db1848e0-1a0f-46cb-97e4-8a7fbad6b7a5","legalZone":{"flexComponents":[{"componentType":"paragraph","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.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage","url":"/en/personal/mortgage"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Easily and quickly calculate an estimate of your buyer’s costs. Useful if you’re considering making an offer, or if you’re simply curious.","title":"Calculate buyer’s costs"}},"publishDate":"2026-04-24T10:05:06.625+02:00"}}