{"type":"document","data":{"id":"7c0994a5-166d-48c0-a832-75a9dafa43e2","localeString":"en-GB","publishDate":"2026-03-05T15:00:02.888+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Looking for a mortgage without a permanent employment contract? Discover the different options available to you."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Discuss your options"}},"secondaryCta":{"textLink":{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"}},"coreHeader":{"body":"There are several options available – and we’re here to help you explore them.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7271d404e12585aa/original/mortgage-process-1920.jpg","extension":"jpg"},"title":"Mortgage without a permanent contract","subtitle":"Looking to buy a home but don’t have a permanent contract? That doesn’t have to stand in your way."},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house","text":"Buying a home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Do you have a declaration of intent?"},{"componentType":"paragraph","richBody":{"value":"<p>If you don’t have a permanent contract (yet), a declaration of intent from your employer can support your <a data-type=\"internal\" href=\"/en/personal/mortgage\">mortgage</a> application.<br />This declaration confirms that your employer intends to offer you a permanent contract in the future. With this in place, we can use your current income to calculate your maximum mortgage.</p>"}},{"componentType":"sectionTitle","title":"Don’t have a declaration of intent?"},{"componentType":"paragraph","richBody":{"value":"<p>Ook zonder intentieverklaring zijn er mogelijkheden om een <a data-type=\"internal\" href=\"/en/personal/mortgage\">hypotheek </a>te krijgen. Wanneer je (nog) geen vast contract hebt en ook geen intentieverklaring, nemen we het gemiddelde van je inkomen over de afgelopen 3 kalenderjaren mee voor de berekening van jouw maximale hypotheek.</p>"}},{"componentType":"sectionTitle","title":"Perspective Statement and Labour Market Scan"},{"componentType":"paragraph","richBody":{"value":"<p>If you work on a flexible contract or through an employment agency, you may be eligible for a Perspective Statement or a Labour Market Scan.<br />Under certain conditions, these can also support your <a data-type=\"internal\" href=\"/en/personal/mortgage\">mortgage </a>application with us.<br />Want to know more? We’re happy to think along with you.</p>"}},{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Discuss your options"}},{"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>"}}]}}}