{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"What should you look for when choosing a surveyor, and what does a property valuation cost? Learn how valuation fees work and what an ING Calcasa Desktop Valuation costs.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Full valuation"},{"componentType":"paragraph","richBody":{"value":"<p>With a full valuation, the surveyor always visits the property. They assess, among other things:</p><ul><li><span><span><span><span>The location, positioning and dimensions of the property</span></span></span></span></li><li><span><span><span><span>The sale prices of comparable and recently sold homes in the area</span></span></span></span></li><li><span><span><span><span>Whether there is a leasehold construction</span></span></span></span></li><li><span><span><span><span>The energy label and any potential foundation issues</span></span></span></span></li><li><span><span><span><span>The state of maintenance and structural condition of the property, both inside and outside</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Costs of a full valuation"},{"componentType":"paragraph","richBody":{"value":"<p>For a full valuation, we offer our Valuation Service at a competitive rate of €635 per valuation (including VAT). Of course, you’re free to choose another certified surveyor, you’re not obliged to arrange this through ING.</p><p>*If renovation work is involved, an additional cost of €75 (incl VAT) applies. If a title deed needs to be requested from the land registry, an additional €15 (incl VAT) will be charged.</p>"},"textLinks":[{"text":"Discover our Valuation Service","url":"/en/personal/mortgage/property-services/valuation-service"}]},{"componentType":"sectionTitle","title":"Calcasa Desktop Valuation (Plus)"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>There are two variants: the Calcasa Desktop Valuation and the Calcasa Desktop Valuation Plus, which may be requested for different types of mortgages.</span></span></span></p><p><span><span><span>With a Calcasa Desktop Valuation, an appraiser verifies the model value of the property remotely, without visiting it. The following aspects are considered, among others:</span></span></span></p><ul><li><span><span><span><span>The sale prices of comparable and recently sold homes in the area</span></span></span></span></li><li><span><span><span><span>Property characteristics, such as floor area, plot size, property type, year of construction, photos of the property, and energy label</span></span></span></span></li><li><span><span><span><span>With the Plus variant, the condition of the property from the outside (from the public road) is additionally assessed by a real estate expert. The appraiser includes this in determining the final value</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Costs of a Calcasa Desktop Valuation (Plus)"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>The Calcasa Desktop Valuation costs €110 (including VAT)</span></span></span></span></li><li><span><span><span><span>The Plus variant temporarily costs €250 (regular price €295)</span></span></span></span></li></ul><p><span><span><span>With the Plus variant, the condition of the property from the outside is also recorded (as assessed from the public road).</span></span></span></p>"},"textLinks":[{"text":"Discover the Calcasa Desktop Valuation (Plus) and when you can use it","url":"/particulier/hypotheek/woondiensten/ingcalcasadesktoptaxatie"}]},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"text":"Maximale hypotheek berekenen","url":"/particulier/hypotheek/hypotheek-berekenen"},{"text":"Actuele hypotheekrente","url":"/particulier/hypotheek/actuele-hypotheekrente"},{"text":"Hypotheek oversluiten","url":"/particulier/hypotheek/oversluiten"},{"text":"Eerste huis kopen","url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen"},{"text":"Ander huis kopen","url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek"},{"text":"Nieuwbouwwoning kopen","url":"/particulier/hypotheek/nieuwbouw"},{"text":"Jouw hypotheek","url":"/particulier/hypotheek/jouw-hypotheek"},{"text":"Hypotheekvormen","url":"/particulier/hypotheek/hypotheekvormen"},{"text":"Duurzaam wonen","url":"/particulier/hypotheek/duurzaam-wonen"},{"text":"Hypotheekadvies","url":"/particulier/hypotheek/hypotheekadvies"},{"text":"Kosten","url":"/particulier/hypotheek/advieskosten"},{"text":"Situatie","url":"/particulier/hypotheek/situatie"},{"text":"Woondiensten","url":"/particulier/hypotheek/woondiensten"},{"text":"Contact","url":"/particulier/hypotheek/contact"}]}]},"hasMacro":false,"id":"16fc6cfc-e2b3-4496-8195-0a195d7734b1","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>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.</p>"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Calculate buyer’s costs","url":"/en/personal/mortgage/buyers-costs/calculate-the-buyers-costs"}},"componentType":"productHeader","coreHeader":{"body":"When you want to buy a new home and take out a mortgage, you are often required to have a valuation carried out. A valuation gives the mortgage lender a good indication of the value of your property. You can have your property valued in two ways: by means of a full valuation, including a visit to the property and an internal inspection. Or via a Calcasa Desktop Valuation.\r\nThe desktop valuation is allowed for mortgages up to 90% of the market value of the property (not applicable to new-build properties). With the Calcasa Desktop Valuation Plus variant, the condition of the property is additionally assessed from the outside – from the public road.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/579deada56735033/original/SIDE-VIEW-OF-COUPLE-SITTING-ON-LAPTOP-AT-HOME.jpg","transformBaseUrl":"https://assets.ing.com/transform/5b802dfe-7e55-49f9-82c8-d786748b81f0/SIDE-VIEW-OF-COUPLE-SITTING-ON-LAPTOP-AT-HOME","type":"image","width":6016},"subtitle":"What a valuation involves and what it costs","title":"Property Valuation"}},"publishDate":"2026-07-14T09:01:44.486+02:00"}}