Renovate your home with a building fund account that’s valid for as long as two years.
Many people looking for a property to buy find the free exploratory mortgage consultation a great way to get an instant idea of their options. It makes them feel more confident about things such as the price they could go up to in an offer.
Examples of subjects that often come up in a mortgage consultation: :
What are the steps of the process to get a new mortgage?'
'I want a buying agent to go looking for me; how much exactly can I borrow?'
'How do the various mortgage types work out for us, both today and in 10 or 20 years’ time?'
'I’ve found a house I like; how much can I offer and how much will I be paying every month?'
The costs for the buyer (kosten koper or k.k. in Dutch) are one-off costs that you will have to pay yourself upfront. You could use your savings for that. These costs come on top of your home’s purchase price. Partly mandatory, the costs for the buyer are made up of:
Advisory fees
Transfer tax
Property valuation fees
Notary fees
Buying agent fees (optional)
Fee for the Dutch National Mortgage Guarantee (NHG) (only when taking out a mortgage with NHG)
During the term of your mortgage, there are all kinds of possible situations that could cause you to struggle to keep up with your mortgage payments. You could lose your job, for example, or have a drastic change in your personal situation. That’s when our Prevention Desk is there for you to go over your options with you.
"}},{"title":"Is my interest-only mortgage still right for me?","richBody":{"value":"If you have a fully or partly interest-only mortgage with ING, you can use our practical tool to calculate whether it’s still the right fit for you. Read more about this check here.
"}},{"title":"How much does an advisory consultation cost?","richBody":{"value":"An exploratory consultation will not cost you anything, and it will give you some initial insights to help you on your way. If you then decide you want a specific advisory consultation, perhaps because you've put in an offer on a property, this will be subject to a fee.
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees","text":"Read more about advisory fees"}]},{"title":"I have a question that’s not listed here","richBody":{"value":"If you are unable to find the answer to your question there, call our customer service for mortgages on +31 (0)20 22 888 88 between 8:30 am 5:00 pm.
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