Like in previous years, independent research firm MoneyView has again given our mortgage terms and conditions its maximum five-star rating this year. That’s something we’re proud of. Wondering what makes ING mortgages so unique? Here are the 11 reasons why.
"},"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"},{"componentType":"accordion","accordionList":[{"title":"1. Highly attractive terms and conditions (five-star rating)","richBody":{"value":"Not only when you take out a mortgage, but also afterwards. It has earned us a spot in the top 3 of over 50 other mortgage providers. And independent research firm MoneyView gave us their highest rating: a magnificent five stars.
"}},{"title":"2. Experienced advisers who care","richBody":{"value":"Customers have rated our mortgage advice with a 9.1 out of 10! We help 1,200 people with their homebuying needs every week. By now, 670,000 people have taken out a mortgage with us. So yes, it’s safe to say that we’re experienced. Feel free to schedule an appointment to find out how much you can borrow and ask any other questions you have.
"}},{"title":"3. All your finances conveniently in one place","richBody":{"value":"Keeping close track of your money may just be the best thing you can do for your financial health. At ING, you only have to open your app to do exactly that, including for your mortgage. And if you have an active current account with us, you will get an interest rate discount to boot.
"}},{"title":"4. Discount for energy-efficient homes","richBody":{"value":"Your home’s energy label has a bearing on your mortgage rate. It’s important to us that people’s homes are energy-efficient, future-proof and comfortable, and we incentivise that by offering a lower interest rate on mortgages for sustainable homes. Getting a better energy label may be a way to lower your mortgage rate, either in one go or gradually. Read more here.
"}},{"title":"5. Practical property services","richBody":{"value":"There’s more to buying a home than taking out a mortgage. That’s why we have special property services for you. If you want, we can also help you find a notary, get a property valued and give you detailed financial advice.
"}},{"title":"6. Mortgage offer valid for longer","richBody":{"value":"Our mortgage offer to you is valid for 12.5 months as standard. And you can even extend that to 24.5 months. Why is that helpful, you might wonder? Because it means the mortgage rate is locked in. This is especially useful for new builds, because it often takes a while for actual construction to start.
"}},{"title":"7. Buying a new home before you’ve sold your old one","richBody":{"value":"Want to put in an offer on a property but haven’t sold your current home yet? You can still go ahead with it, thanks to our bridging mortgage. This is a mortgage that lets you temporarily borrow your home equity to finance your new home. And it gives you two years to sell your current home.
"}},{"title":"8. Two years to build or renovate your home","richBody":{"value":"If you are renovating your home or building one from scratch, and paying in instalments, we’ll give you two years for the whole project. We’ll set the money for your renovation or new build aside in a building fund account. But rest assured, you’ll only pay interest on the amount you’ve spent.
"}},{"title":"9. Easy mortgage rate adjustments","richBody":{"value":"If mortgage rates drop, we can adjust your rate for you before the end of a fixed-term period, if you want. Even if you still have several years to run on your fixed-rate period. Needless to say, we will first make sure you will actually be better off with a lower rate.
"}},{"title":"10. You can switch to a lower mortgage rate every two years (also without the Dutch National Mortgage Guarantee)","richBody":{"value":"If you have a mortgage without the Dutch National Mortgage Guarantee, you can usually switch to a slightly lower mortgage rate every two years. And that means lower monthly payments. After all, if your home goes up in value or you make capital repayments (every month), your loan-to-value ratio will change.
"}},{"title":"11. A mortgage rate that will move with you","richBody":{"value":"Very few people live in the same place their entire lives. If you decide to move one day and mortgage rates happen to be less attractive then, you can usually just take your mortgage rate with you.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Popular pages"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates & discounts"},{"url":"/en/personal/mortgage/contact","text":"Schedule an appointment now"},{"url":"/particulier/hypotheek/hypotheekadvies/onafhankelijk-adviseur-vinden","text":"Find an independent adviser"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"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.
"}}]}}}