{"type":"document","data":{"id":"1788e11a-2e44-4444-978e-f73b05681d13","localeString":"en-GB","publishDate":"2026-03-05T15:08:50.682+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Your offer on your new home has been accepted and you’ve signed the provisional purchase agreement. Now it’s time to finalise your mortgage. You’re about to apply for your mortgage — but how does the process work, and what should you keep in mind? We’re here to guide you through it."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Your offer on your new home has been accepted, you’ve signed the preliminary purchase agreement, and now it’s time to finalise your mortgage. You’re about to apply for a mortgage. How does that work and what should you take into account? We’re happy to explain it to you.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/0e1937ef-1a31-4303-992d-30d7c8e0bb23/Voor-elke-wens-een-hypotheekoplossing","type":"image","width":550,"original":"https://assets.ing.com/m/d69f73f7952a1b4/original/Voor-elke-wens-een-hypotheekoplossing.jpg","extension":"jpg"},"title":"Applying for a Mortgage – How Does It Work?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house","text":"Buying a home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"From Orientation to Advice"},{"componentType":"paragraph","richBody":{"value":"

During your free orientation meeting, the ING advisor calculated how much you can borrow with us and provided tips and explanations about the different mortgage types. Once you’ve made an offer on a house and your offer has been accepted, you move into the mortgage advisory process.
In the advisory meeting, the ING advisor will go into real depth. You only pay advisory fees after you have signed the advisory agreement.

Based on your financial information and personal preferences, we advise you on which mortgage types best fit your situation. This ensures that the mortgage you take out is affordable — both now and in the future.

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During the mortgage advice process, the ING advisor reviews your personal situation, checks and collects your documents, and advises you on which mortgage and mortgage type(s) best suit your circumstances.
We also look at expected and unexpected events in the future and assess how these might impact your ability to pay your mortgage.

Based on this advice, an offer will be requested. If our checks show that you can afford the mortgage now and in the future, you will receive an offer.

The mortgage offer contains a binding proposal from ING. The offer is valid for two weeks. You sign the offer and send it back to your mortgage advisor, who will then process your application. Once the application is completed, we send all documents to the notary.

Are you moving? Then you will sign your mortgage deed and transfer deed at the notary. Your advisor will guide you through this. Once you’ve visited the notary, you can start enjoying your new home!

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Is it time to apply for your mortgage? Schedule an appointment with your mortgage advisor or an intermediary.

Still Exploring Your Options?
Even if you’re still orienting, it’s useful to start exploring your possibilities at ING.
Calculate online how much you can borrow. And schedule a free orientation meeting with one of our advisors — we’re happy to help you on your journey to finding your new home!

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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.

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