{"type":"document","data":{"id":"ed29ba1c-3e34-46fb-8e7a-13f14cb73716","localeString":"en-GB","publishDate":"2026-03-30T14:59:14.081+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Independent research agency MoneyView awarded our mortgage terms and conditions the maximum rating of 5 stars this year."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://assets.ing.com/m/21a22441adec0b5c/original/MoneyView-rapport-2025.pdf","text":"Research (pdf, in Dutch)"}},"coreHeader":{"body":"Independent research agency MoneyView has once again awarded our mortgage terms and conditions the maximum rating of 5 stars this year. And we’re proud of that.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/017b6dbf-ee0f-4243-b869-184e5bfd2b6c/6359x3094","type":"image","width":6359,"original":"https://assets.ing.com/m/c2525c40/original/6359x3094.jpg","extension":"jpg"},"title":"Once again a 5 star rating for our mortgage terms and conditions","subtitle":"ING ranked in the top 3 of more than 50 mortgage lenders"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house","text":"Buying a home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Which mortgage types are in the top 3?"},{"componentType":"paragraph","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>All our main mortgage types have received a 5‑star rating:</span></span></span></p><ul><li><p><a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-types/annuity-mortgage\">Annuity mortgage</a> <span lang=\"EN-GB\" dir=\"ltr\"><span><span>(compared with 58 other lenders)</span></span></span></p></li><li><p><a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-types/linear-mortgage\">Linear mortgage</a> <span><span><span><span>(compared with 57 other lenders)</span></span></span></span></p></li><li><p><a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-types/interest-only-mortgage\">Interest-only mortgage</a> (compared with 56 other lenders)</p></li></ul>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/2a2a4165-a0b9-40da-93e9-1b70d4243d7f/MoneyView-2025-sterren-3producten-1","original":"https://assets.ing.com/m/333dea2f5b8feb29/original/MoneyView-2025-sterren-3producten-1.png","extension":"png"}},{"componentType":"sectionTitle","title":"Our excellent terms and conditions at a glance"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Curious to know what more than</span></span></span> 670,000 homeowners <span><span><span>are already benefiting from? Here’s a selection of the features that earned our mortgages a 5‑star rating:</span></span></span></p><ul><li>Under certain conditions, <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/possibly-lower-mortgage-rate\">your interest rate may be reduced slightly</a> after just two years, lowering your monthly mortgage payments.</li><li>The option to <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/intermediate-adjustment\">change your interest rate</a>, even during your fixed‑rate period.</li><li>The possibility to <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/buying-another-house/taking-your-mortgage-with-you\">take your interest rate with you</a> when you move home, subject to conditions.</li><li>Your mortgage offer is valid for 12.5 months as standard, and <a data-type=\"internal\" href=\"/en/personal/mortgage/advisory-fees/renewal-fee\">can be extended to 24.5 months</a>. Useful if you’re buying a <a data-type=\"internal\" href=\"/en/personal/mortgage/newbuild\">new-build home</a>.</li><li>Finance a home improvement with a <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/building-fund-account\">building fund account</a> valid for up to two years.</li></ul>"}},{"componentType":"sectionTitle","title":"Lower mortgage interest?"},{"componentType":"paragraph","richBody":{"value":"<p>Did you know you may be eligible for a lower mortgage interest rate if you improve your home’s energy label? You can do this in one go or step by step.</p><p>Tip: Discuss your options with your <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice\">mortgage adviser</a>.</p>"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate","text":"Read more about your energy label and mortgage interest rate"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate maximum mortgage"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Current Mortgage Interest"},{"url":"/particulier/hypotheek/oversluiten","text":"Mortgage refinancing"},{"text":"Buying your first home"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Buying your next home"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Your mortgage"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage forms"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/advisory-fees","text":"Costs"},{"url":"/en/personal/mortgage/situation","text":"Situation"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/mortgage/contact","text":"Contact"}]}]},"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>"}}]}}}