{"type":"document","data":{"id":"c04b466b-d27d-4238-8d52-62d7e89c58eb","localeString":"en-GB","publishDate":"2026-04-15T17:38:35.416+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"A loan from family or a gift towards buying a home can be a good alternative or a useful addition."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","microCopy":"Check availability and times","textLink":{"url":"/en/personal/mortgage/contact","text":"Discuss your options"}},"coreHeader":{"body":"When taking out a mortgage, most people go to a bank. But have you ever considered borrowing part of the purchase price from your family? You can also receive financial support in the form of a gift.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/cf60c403-b69f-4225-be70-cfdf080b4d95/Father-and-son-tucking-in-napkins-before-lunch","type":"image","width":1712,"original":"https://assets.ing.com/m/4d22daaedd8ce202/original/Father-and-son-tucking-in-napkins-before-lunch.jpg","extension":"jpg"},"title":"Family mortgage or gift","subtitle":"Support from family when buying a home"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home","text":"Buying your first home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Option 1: Family mortgage"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Borrowing money from family to partly finance your home is known as a family mortgage. This can be a good solution when parents want to help their child buy a home.</span></span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"How it works","richBody":{"value":"<p><span><span><span>Family mortgage at a glance:</span></span></span></p><ul><li><span><span><span><span>As a child, you borrow an amount from family members, such as (grand)parents.</span></span></span></span></li><li><span><span><span><span>Together, you agree on the terms and conditions of the loan.</span></span></span></span></li><li><span><span><span><span>In return for the loan, the lender receives interest.</span></span></span></span></li><li><span><span><span><span>This interest must be comparable to the interest rates offered by mortgage providers.</span></span></span></span></li><li><span><span><span><span>Under certain conditions, the interest may be tax‑deductible.</span></span></span></span></li><li><span><span><span><span>The monthly repayments are taken into account in your mortgage application with ING.</span></span></span></span></li></ul><p><span><span><span>Benefit for the lender:<br />The interest rate is often higher than the return on savings.</span></span></span></p><p><span><span><span>Points to consider:<br />The downside is that the money is tied up for a longer period. Take this into account to avoid financial difficulties if something unexpected happens, such as losing your job or getting divorced.</span></span></span></p><p><span><span><span>Tip<br />Book a free, no‑obligation introductory meeting to explore your options with a family mortgage. Curious about the tax implications? Contact a tax adviser or civil‑law notary.</span></span></span></p>"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Book a meeting"}]},{"title":"Tip: Choose a loan that fits your situation","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>No one benefits from mortgage repayments that are unaffordable. Agree on a loan amount that matches the borrower’s income.</span></span></span></p>"}},{"title":"Tip: Put agreements in writing","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Record all agreements in writing, with or without a notary. This helps prevent potential disputes within the family later on.</span></span></span></p>"},"textLinks":[{"url":"/en/personal/mortgage/notary-service","text":"Our Notary Service: a fixed fee for all your notary costs."}]}]},{"componentType":"sectionTitle","title":"Option 2: Gift"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>In 2026, parents may give up to €6,908 tax‑free. Others may give up to €2,769. This amount can be used freely.</span></span></span></p>"}},{"componentType":"highlight","richBody":{"value":"<p><span><span><span>In 2026, you may also receive a one‑off increased tax‑free gift from your parents of up to €33,129. To qualify, the recipient or their partner must be between 18 and 40 years old.</span></span></span></p><p><span><span><span>Good to know<br />ING does not provide advice on gift constructions. Please consult a tax adviser for professional guidance.</span></span></span></p>"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/schenken/content/tot-welk-bedrag-belastingvrij-schenken-in-2024","text":"More information about tax free gifts is available on the Dutch Tax and Customs Administration website (in Dutch)."}]},{"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":[{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage","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>"}}]}}}