{"type":"document","data":{"id":"6349fac2-d86d-42f7-866b-f4af539b66c8","localeString":"en-GB","publishDate":"2026-04-14T14:23:23.865+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to know what you can offer on your first home? Start by calculating your maximum mortgage."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"title":"Calculate your first-time buyer’s mortgage","subtitle":"Want to know what you can offer on your first home? Start by calculating your maximum mortgage."},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home","text":"Buying your first home"}}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"mortgage-hub"},{"componentType":"sectionTitle","title":"On your way to your new home"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Free orientation meeting","intro":"Discuss your options in a free exploratory consultation with an adviser","image":{"transformBaseUrl":"https://assets.ing.com/transform/8bf6f4df-09ab-4a06-bb04-bea527498888/Call-center-headset-woman-spot","type":"image","width":160,"original":"https://assets.ing.com/m/218fdc52b7523324/original/Call-center-headset-woman-spot.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/contact"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Orientation certificate","intro":"Show sellers you’re serious with a free orientation certificate","image":{"transformBaseUrl":"https://assets.ing.com/transform/e4f9cc28-b1ea-4389-82bd-31b16b5ee297/woman-tablet-todolist_197x176","type":"image","width":197,"altTextEN":"Private-Banking-Woman-tablet-to-do-list","original":"https://assets.ing.com/m/376d3e17e154e8ce/original/woman-tablet-todolist_197x176.png","extension":"png"},"link":{"url":"/en/personal/mortgage/contact/orientation-certificate"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Calculate buyer’s costs","intro":"Prefer a more complete picture first? Calculate the costs you can expect on top of the purchase price","image":{"transformBaseUrl":"https://assets.ing.com/transform/73a2dd7c-a21d-475a-a317-e3bdf896da8f/Calculator-3-spot","type":"image","width":445,"original":"https://assets.ing.com/m/103344166bb62c8d/original/Calculator-3-spot.png","extension":"png"},"link":{"url":"/en/personal/mortgage/buyers-costs/calculate-the-buyers-costs"}}]},{"componentType":"sectionTitle","title":"Why take out a mortgage with ING?"},{"componentType":"paragraph","title":"Competitive interest rate and generous terms and conditions","richBody":{"value":"<ul><li>You can often switch to a slightly lower mortgage rate after two years, and that means lower monthly payments. </li><li>Switch to a lower mortgage rate, even before the end of a fixed-rate period. </li><li>Take your mortgage rate with you when you move. </li><li>Your mortgage offer is valid for longer (very useful for new builds).</li><li><p>Renovate your home with a building fund account that’s valid for as long as two years. </p></li></ul>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/59ef48ee-a78f-4b85-8b4e-27943f7bcd6b/Terraced-house_Spot","original":"https://assets.ing.com/m/74cabf5406e2e033/original/Terraced-house_Spot.svg","extension":"svg"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"alignedImage":{"position":"left"}},{"componentType":"horizontalCardsList","title":"What can I borrow?","link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/what-can-i-borrow"},"cardsList":{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Buying a home: what’s involved?","body":"Buying your first home in 5 steps. We explain each step, so as a first‑time buyer you won’t miss a thing.","image":{"transformBaseUrl":"https://assets.ing.com/transform/52f6164a-bb0e-4644-a6e8-b4046c5df13c/handinspectinghousesmagnifyingglassnopadding","type":"image","width":0,"original":"https://assets.ing.com/asset/52f6164a-bb0e-4644-a6e8-b4046c5df13c/handinspectinghousesmagnifyingglassnopadding.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/step-by-step-guide-to-buying-your-first-house"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Graduated, with a student loan debt?","body":"That means you may be able to borrow a little less. But even with a student loan debt, you can still get a mortgage.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2b7ad55a-7468-4cb9-b088-09b27f46c59e/mortarboardhateducationnopadding","type":"image","width":128,"original":"https://assets.ing.com/asset/2b7ad55a-7468-4cb9-b088-09b27f46c59e/mortarboardhateducationnopadding.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/student-loan-debt"}},{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"Rent or buy?","body":"The key pros and cons at a glance. Think carefully about what matters to you, now and in the future.","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-your-first-home/rent-or-buy"}},{"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. This is where your house-hunting journey begins.","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-your-first-home"}}]}},{"componentType":"linkList","linkListCTA":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home","text":"Back to overview"}},"iconTitle":{"title":"Useful information when buying your first home"},"textLinks":[{"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/mortgage-types","text":"Mortgage types"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/contact","text":"Contact"},{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate","text":"Energy label and mortgage interest rate"},{"url":"/en/personal/mortgage/buyers-costs","text":"Buyer’s costs"}]}]},"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>"}}]}}}