{"type":"document","data":{"id":"95b034c2-7bc6-4e1b-bd59-5e95fefc6a6d","localeString":"en-GB","publishDate":"2026-04-23T09:13:56.175+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Are you in the process of buying a home? There’s a lot to think about. We’ve created a step‑by‑step guide with practical tips and pointers to make the process as easy as possible for you."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/79dfebf9-7b71-4995-929f-f58a1e53b4a6/A-man-offers-a-hand-to-a-smiling-woman-wearing-a-poncho-as-she-walks-down-some-buildings-stairs-outside","type":"image","width":1920,"original":"https://assets.ing.com/asset/79dfebf9-7b71-4995-929f-f58a1e53b4a6/A-man-offers-a-hand-to-a-smiling-woman-wearing-a-poncho-as-she-walks-down-some-buildings-stairs-outside.jpg","extension":"jpg"},"title":"Your 7-step guide to buying your next home","subtitle":"Looking for a step-by-step plan to help you buy your next home? We’ll take you through it in 7 simple steps."},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house","text":"Buying your next home"}}},"flexZone":{"flexComponents":[{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"<p>Step 1: Define what you’re looking for in a home</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/a8becf32-5cde-492a-ad80-05d6a2182220/Functionalities-Questionmark_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/a8becf32-5cde-492a-ad80-05d6a2182220/Functionalities-Questionmark_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>Create a list of must‑haves and nice‑to‑haves so you’re clear on what your dream home should offer.</span></span></span></span></li><li><span><span><span><span>Viewing a property? Ask the seller about any defects, local zoning plans and specific municipal regulations.</span></span></span></span></li><li><span><span><span><span>Consider how easily you would be able to sell the home again in the future.</span></span></span></span></li><li><span><span><span><span>You might want to consider hiri</span></span></span></span>ng a <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/real-estate-agent\">real estate agent</a>.</li><li><span><span><span><span>Already own a home? Decide whether you want to buy first or sell first.</span></span></span></span></li></ul>"}}]},{"title":{"value":"<p>Step 2: Map out your financial situation</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/cc92eff8-2f91-4cf0-9f5e-f18dbbe1618e/Transactions-Mobile_Banking_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/cc92eff8-2f91-4cf0-9f5e-f18dbbe1618e/Transactions-Mobile_Banking_Euro_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Calculate your <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-calculator\">maximum mortgage</a> and the associated monthly payments.</li><li>Interested in an <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-types/buying-a-sustainable-house\">energy-efficient home</a>, or planning to make your new home more sustainable? Then you may be able to borrow more. And with a <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate\">better energy label</a>, you may be able to lower your mortgage interest rate.</li><li>Take extra costs into account, such as renovations, the notary, and transfer tax.</li><li>A <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/buying-your-first-home/family-mortgage\">family mortgage</a> can be an attractive alternative to a <a data-type=\"internal\" href=\"/en/personal/mortgage\">mortgage</a> from the bank in certain situations.</li><li>Already own a home that has increased in value? At ING you can often make use of your <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity\">equity</a>.</li><li>Expecting to sell your home at a loss, creating <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/home-with-negative-equity\">residual debt</a>? At ING, you may be able to finance this (under conditions) within the mortgage for your new home.</li><li>Also check whether the <a data-type=\"internal\" href=\"/particulier/hypotheek/ingcalcasadesktoptaxatie\">ING Calcasa Desktop Valuation</a> (in Dutch) may be useful for you.</li></ul>"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"}]}]},{"title":{"value":"<p>Step 3: Talk to a mortgage adviser</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/55caca58-a948-4f2f-8ffd-316c61818231/Devices-Video_Chat_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/55caca58-a948-4f2f-8ffd-316c61818231/Devices-Video_Chat_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Making an offer feels much better when you know it’s financially possible, even if you <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/buying-another-house/taking-your-mortgage-with-you\">already have a mortgage</a>.</li><li>Make an appointment for a free initial <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice\">mortgage consultation</a>. We’ll discuss your options and you’ll know exactly what you can offer and what your monthly costs will be.</li><li>You can also request an orientation meeting with an <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice/advice-independent-adviser\">independent adviser</a>.</li></ul>"},"textLinks":[{"url":"/en/personal/mortgage/contact/book-appointment","text":"Make an appointment"}]}]},{"title":{"value":"<p>Step 4. Buy your dream home</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/967e3f60-3834-41ee-b6a8-f0d54d490765/Savings_goals-Home_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/967e3f60-3834-41ee-b6a8-f0d54d490765/Savings_goals-Home_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>Interested in an apartment? Then it’s important to know the financial situation of the Homeowners’ Association (VvE) and to check the long-term maintenance plan.</span></span></span></span></li><li><span><span><span><span>If the property is on leasehold land, you won’t own the land itself. Check whether the home is subject to leasehold and what the (annual) costs are.</span></span></span></span></li><li><span><span><span><span>Agreed on the price? Then both the buyer and seller sign the purchase agreement (preliminary contract).</span></span></span></span></li><li><span><span><span><span>Save time and money when buying or selling with ING Property services.</span></span></span></span></li></ul>"},"textLinks":[{"url":"/en/personal/mortgage/property-services","text":"View our Property services"}]}]},{"title":{"value":"<p>Step 5: Arranging your mortgage</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Have you signed the purchase agreement? Then it’s important to finalise your new mortgage before the conditions for withdrawal expire.</li><li>Make an appointment with your mortgage adviser or intermediary. They will prepare a personal Mortgage Advice and draft a mortgage offer. If you agree, the <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/apply-for-a-mortgage\">mortgage application</a> will be submitted.</li><li>Your adviser will tell you which documents are required for the offer and will guide you through everything up to the appointment with the notary. They’ll also explain how a bank guarantee works and can arrange it for you.</li><li>With the <a data-type=\"internal\" href=\"/en/personal/mortgage/valuation-service\">ING Valuation Service</a>, you can have your home valued at a competitive price.</li><li>Consider registering a higher amount at the notary than the purchase price. That way, if you want to increase your mortgage in the future, for example for renovations, you won’t need to visit the notary again.</li></ul>"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"}]}]},{"title":{"value":"<p>Step 6: Arrange the notary, the keys and your insurance</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/f1d18442-d140-4e3a-b2d5-fcb292ace0a5/Insurance-Key_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/f1d18442-d140-4e3a-b2d5-fcb292ace0a5/Insurance-Key_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>Make an appointment with a notary. The notary will prepare the deed of transfer, the mortgage deed, the registration in the land registry and, if needed, a cohabitation agreement.</span></span></span></span></li><li><span><span><span><span>You and the seller sign the transfer deed at the notary, and you receive the keys.</span></span></span></span></li><li><span><span><span><span>Inspect the property before the transfer takes place.</span></span></span></span></li><li><span><span><span><span>Check whether you and your home are properly insured. Think of liability, home contents, legal assistance, and the required buildings insurance.</span></span></span></span></li></ul>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"}]}]},{"title":{"value":"<p>Step 7: Your mortgage now and in the future</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/e9849721-a5f5-45b1-9a21-e3c03bc86f4c/Feedback-Heart_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/asset/e9849721-a5f5-45b1-9a21-e3c03bc86f4c/Feedback-Heart_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>Have you arranged your mortgage with ING? Congratulations! With an ING Mortgage, you’re well covered. Both when things go smoothly and when they don’t.</span></span></span></span></li><li><span><span><span><span>At risk of becoming unemployed? Make use of a free career consultation, offered in collaboration with Randstad RiseSmart.</span></span></span></span></li><li><span><span><span><span>Going through a divorce? You’ll get guidance from specialists to arrange everything properly.</span></span></span></span></li><li><span><span><span><span>Receiving an inheritance? Making an extra repayment may be worthwhile.</span></span></span></span></li><li><span><span><span><span>Planning to renovate in the future? You’re always welcome to come to us for advice.</span></span></span></span></li><li><span><span><span><span>You can view your mortgage details and payment dates anytime in Mijn ING.</span></span></span></span></li></ul>"}}]}]},{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Make an appointment with a mortgage adviser"}},{"componentType":"paragraph","richBody":{"value":"<p>If you prefer an appointment with an independent adviser, that&apos;s possible too. ING works with over <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice/advice-independent-adviser\">2,700 independent advisers</a>.</p>"}},{"componentType":"horizontalCardsList","title":"Buying your next home","link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/view-all-page---general-ntb"},"cardsList":{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Buy or sell a house first?","body":"You own your home and are planning to move. Should you buy first or sell first? Discover the pros and cons.","image":{"transformBaseUrl":"https://assets.ing.com/transform/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding","type":"image","width":128,"original":"https://assets.ing.com/asset/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/buying-or-selling-a-house-first"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Use the equity in your home","body":"What exactly is equity? How can you use it? And what should you take into account?","image":{"transformBaseUrl":"https://assets.ing.com/transform/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot","type":"image","width":160,"original":"https://assets.ing.com/asset/6bdc3f75-17ef-484e-bde8-7838f6547774/House-mortgage-money-spot.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Taking your mortgage with you","body":"You can possibly take the mortgage rate of your ING mortgage with you using our mortage portability option.","image":{"transformBaseUrl":"https://assets.ing.com/transform/76548ddc-0c26-4111-a092-a497662a6782/house-arm","type":"image","width":1793,"original":"https://assets.ing.com/asset/76548ddc-0c26-4111-a092-a497662a6782/house-arm.png","extension":"png"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/taking-your-mortgage-with-you"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"What can I borrow?","body":"Want to know what you can offer on your next home? Start by calculating your maximum mortgage.","image":{"transformBaseUrl":"https://assets.ing.com/transform/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home","type":"image","width":400,"altTextEN":"Home","altTextNL":"Huis","altTextFR":"Maison","original":"https://assets.ing.com/asset/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home.png","extension":"png"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/maximum-mortgage-calculation"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Back to overview","body":"All the essential information you need to buy your first home, in one place.","image":{"transformBaseUrl":"https://assets.ing.com/transform/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin","type":"image","width":24,"original":"https://assets.ing.com/asset/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house"}}]}},{"componentType":"linkList","linkListCTA":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house","text":"Back to overview"}},"iconTitle":{"title":"Useful information when buying your next home"},"textLinks":[{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/maximum-mortgage-calculation","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage interest rates"},{"url":"/en/personal/mortgage/newbuild","text":"Everything about new-build homes"},{"url":"/en/personal/mortgage/your-mortgage/increase-mortgage","text":"Raising your mortgage"},{"url":"/en/personal/mortgage/mortgage-types/bridging-mortgage","text":"Bridging mortgage"},{"url":"/en/personal/mortgage/contact","text":"Contact"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/situation","text":"Your situation"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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>"}}]}}}