{"type":"document","data":{"id":"ec20b366-20c0-4431-92ff-80f42d01c8ad","localeString":"en-GB","publishDate":"2026-04-22T17:44:48.642+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Whether you’re moving home or staying in your current property, you can benefit from your equity by using it or releasing it."},"mainHeaderZone":{"componentType":"productHeader","legalBanner":{"image":{"transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46,"original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","extension":"svg"},"body":"Let op! Geld lenen kost geld","headerBannerType":"headerBannerType","componentStyle":"default"},"cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Discuss your options"}},"coreHeader":{"body":"What exactly is equity? How can you use it? And what should you take into account? We’re happy to explain.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3b1d2a64-0b4e-44c8-947c-f7fa46b96244/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen","type":"image","width":1920,"original":"https://assets.ing.com/asset/3b1d2a64-0b4e-44c8-947c-f7fa46b96244/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen.jpg","extension":"jpg"},"title":"Use the equity in your home","subtitle":"For a new home, a renovation or another major expense"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house","text":"Buying your next home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is equity?"},{"componentType":"paragraph","richBody":{"value":"

You have equity when the market value of your home is higher than your outstanding mortgage balance.

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Equity can be created in several ways:

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Once your home is sold, the outstanding mortgage balance is repaid in full in one go. This is arranged via the notary chosen by the buyer of your home.

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Using equity when buying a new home

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In most cases, equity is used to buy a new home. Good to know:

"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Tip: Discuss your personal situation in a free orientation meeting."}]}]},{"title":{"value":"

Using equity for a renovation or making your home more sustainable

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Planning a renovation? Thinking about a new kitchen? Or would you like to invest in energy‑saving measures? You can make this happen by increasing your mortgage.

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Using equity for another major expense

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Would you like to release part of your equity? For example:

In many cases, more is possible than you might expect.

In a free orientation meeting, we first discuss:

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Curious about your options? Discuss them in a free orientation meeting, with no obligation.

"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Schedule a free orientation meeting"}]},{"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.

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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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