This can be a rather tricky decision to make. Both scenarios have pros and cons, ranging from paying for two homes at the same time to having to move house twice within a short time.
If you expect to have equity on your home, you’ll be interested to hear that you don’t necessarily have to sell your current home first. This is where the bridging mortgage comes i
"}}],"title":{"value":"1. Buy first or sell first?
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/af579f99-b7f0-42e8-8b92-e881faaad5a8/Products-Mortgage_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/af579f99-b7f0-42e8-8b92-e881faaad5a8/Products-Mortgage_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"There are various ways you can use your home equity. Most homeowners leverage their home equity to buy their next home. This is, however, subject to certain conditions (in Dutch).
The big advantage of using your home equity is that the more of it you use for the purchase of your new home, the less you need to borrow on a mortgage. As a result, homes may suddenly be within your reach if they are priced beyond the maximum amount you can borrow.
When you sell your home, the proceeds will go towards paying off your mortgage in one go. This will have to be formalised before a notary selected by the person buying your home.
Still have money left over after paying off your mortgage? That’s home equity.
Calculation example:
2. How do I use my home equity?
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"No, you don’t. More and more people are improving their home’s energy efficiency. In fact, the Dutch government incentivises it. Things you can do to make your home more energy-efficient include improving the insulation and installing solar panels.
Did you know that people often choose to make sustainability improvements before they move into their new home? They do it as part of a greater renovation, for example.
"},"textLinks":[{"text":"Explore your home sustainability options","url":"/en/personal/mortgage/mortgage-types/buying-a-sustainable-house"}]}],"title":{"value":"3. Do I have to make my home more sustainable right away?
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Before you know it, you’ve put in an offer on the house that you always wanted to live in. What a great thing to look forward to!
But as you prepare for that, you want to know well ahead of time what your options are. You want to be clear on how much you can borrow, for example, or whether you’d be eligible for tax relief on mortgage interest.
During a free exploratory consultation, you can ask any questions you have. We will go over your options in your specific situation.
Things that others who went before you asked our advisers include:
Good to know: having a free exploratory consultation doesn’t mean you’re committing to anything.
"}}],"title":{"value":"4. What do I need to bear in mind when taking out a new mortgage?
Yes, there is! From figuring out what exactly you want in a home to getting the keys.
An all-in-one summary, so you won’t miss anything.
"},"textLinks":[{"text":"Take a look at our step-by-step guide","url":"/en/personal/mortgage/buying-a-house/buying-another-house/step-to-step-guide"}]}],"title":{"value":"5. Is there a practical step-by-step guide I can refer to?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Curious about your mortgage options?"},{"componentType":"paragraph","richBody":{"value":"During a free, no‑obligation introductory meeting, our ING mortgage adviser will answer all your questions.
"}},{"componentType":"cta","textLink":{"text":"Book a free orientation meeting","url":"/en/personal/mortgage/contact"}},{"componentType":"paragraph","richBody":{"value":"If you prefer an appointment with an independent adviser, that's possible too. ING works with over 2,700 independent advisers.
"}},{"cardsList":{"cards":[{"body":"You own your home and are planning to move. Should you buy first or sell first? Discover the pros and cons.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding","type":"image","width":128},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/buying-or-selling-a-house-first"},"title":"Buy or sell a house first?"},{"body":"What exactly is equity? How can you use it? And what should you take into account?","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot","type":"image","width":160},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity"},"title":"Use the equity in your home"},{"body":"You can possibly take the mortgage rate of your ING mortgage with you using our mortage portability option.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"png","original":"https://assets.ing.com/asset/76548ddc-0c26-4111-a092-a497662a6782/house-arm.png","transformBaseUrl":"https://assets.ing.com/transform/76548ddc-0c26-4111-a092-a497662a6782/house-arm","type":"image","width":1793},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/taking-your-mortgage-with-you"},"title":"Taking your mortgage with you"},{"body":"Want to know what you can offer on your next home? Start by calculating your maximum mortgage.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"altTextEN":"Home","altTextFR":"Maison","altTextNL":"Huis","extension":"png","original":"https://assets.ing.com/asset/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home.png","transformBaseUrl":"https://assets.ing.com/transform/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home","type":"image","width":400},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/maximum-mortgage-calculation"},"title":"What can I borrow?"},{"body":"All the essential information you need to buy your first home, in one place.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin","type":"image","width":24},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house"},"title":"Back to overview"}],"componentType":"cards"},"componentType":"horizontalCardsList","link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/view-all-page---general-ntb"},"title":"Buying your next home"},{"componentType":"linkList","iconTitle":{"title":"Useful information when buying your next home"},"linkListCTA":{"textLink":{"text":"Back to overview","url":"/en/personal/mortgage/buying-a-house/buying-another-house"}},"textLinks":[{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/buying-a-house/buying-another-house/maximum-mortgage-calculation"},{"text":"Current mortgage interest rates","url":"/en/personal/mortgage/current-mortgage-rates"},{"text":"Everything about new-build homes","url":"/en/personal/mortgage/newbuild"},{"text":"Raising your mortgage","url":"/en/personal/mortgage/your-mortgage/increase-mortgage"},{"text":"Bridging mortgage","url":"/en/personal/mortgage/mortgage-types/bridging-mortgage"},{"text":"Contact","url":"/en/personal/mortgage/contact"},{"text":"Sustainable living","url":"/en/personal/mortgage/sustainable-living"},{"text":"Your situation","url":"/en/personal/mortgage/situation"}]}]},"hasMacro":false,"id":"979e6384-84c7-47f0-8aab-bfb38da03aee","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":"Buying your next home","url":"/en/personal/mortgage/buying-a-house/buying-another-house"}},"componentType":"productHeader","coreHeader":{"body":"Even though it’s not their first time, many people still find buying a home a daunting process. With new possibilities. And with new questions. We’re here to answer those questions.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/382a9fdd4ce57655/original/Boy-packing-cardboard-boxes-in-a-car.jpg","transformBaseUrl":"https://assets.ing.com/transform/d563467d-7ade-4596-842d-09ed32f1cad1/Boy-packing-cardboard-boxes-in-a-car","type":"image","width":5123},"subtitle":"Check the answers to five frequently asked questions","title":"New round, new home"}},"publishDate":"2026-04-22T18:17:53.613+02:00"}}