{"type":"document","data":{"id":"e8fd64db-332d-442c-a877-040c90786544","localeString":"en-GB","publishDate":"2026-04-14T12:30:14.685+02:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Schedule your appointment, no strings attached."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/personal/mortgage","text":"Mortgage"}},"coreHeader":{"title":"No-obligation mortgage consultation","subtitle":"Schedule a free and no-obligation consultation with one of our mortgage advisers."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"When you’re further along in the home-buying process"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Offer accepted, what’s next?","intro":"The next step is a personal mortgage consultation. Keep reading to find out what that entails","image":{"transformBaseUrl":"https://assets.ing.com/transform/a5aa01ad-1c7c-4c82-9547-ad09186103e2/Test-image-digital-orientation","type":"image","width":1920,"original":"https://assets.ing.com/m/53963a9d019b0569/original/Test-image-digital-orientation.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/mortgage-advice"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"My ING mortgage","intro":"Contact us for all your questions about your current mortgage","image":{"transformBaseUrl":"https://assets.ing.com/transform/e28d3208-25e0-4980-a6c1-2f344922b225/Low-angle-view-of-person-holding-dandelion-flower","type":"image","width":4032,"original":"https://assets.ing.com/m/1860acfb6bb56550/original/Low-angle-view-of-person-holding-dandelion-flower.jpg","extension":"jpg"},"link":{"url":"/en/personal/customer-service/phone-numbers"}}]},{"componentType":"sectionTitle","title":"Free exploratory consultation with our mortgage adviser: here's what to expect"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li><span><span><span><span>At home during a video call or at an ING branch. </span></span></span></span></li><li><span><span><span><span>Together with the mortgage adviser, you will discuss how much you can borrow and what the associated monthly payments are.   </span></span></span></span></li><li><span><span><span><span>You will be informed about the available mortgage types and what the respective costs are. Together you will discuss which type is the best fit for your situation. </span></span></span></span></li><li><span><span><span><span><span>Afterwards you can get an </span></span></span></span></span><a data-type=\"internal\" href=\"/en/personal/mortgage/contact/orientation-certificate\"><span><span><span><span><u>orientation certificate</u></span></span></span></span></a><span><span><span> that tells you how much you can borrow (subject to change), so you are well-prepared when you put in an offer on a property or register for a new build. </span></span></span></li><li><span><span><span><span><span>A quick credit check with the Dutch Credit Registration Office to check if we can provide you with </span></span></span></span></span><a data-type=\"internal\" href=\"/en/personal/mortgage\"><span><span><span><span><u>a mortgage</u></span></span></span></span></a><span><span><span> and what you can afford in monthly payments. </span></span></span></li></ul><p>Prefer an appointment with an independent adviser?<br /><a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice/advice-independent-adviser\">You can choose one of 2,700 advisors</a> across the Netherlands.</p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8bbf9440-3a6c-4a05-96c0-225953371cda/arrow-orange-home-2","original":"https://assets.ing.com/m/6445e2f49b1dee23/original/arrow-orange-home-2.png","extension":"png"}},{"componentType":"sectionTitle","title":"What you need for an exploratory mortgage consultation"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Before you have your exploratory consultation, it’s a good idea to make sure you have the following details and documents ready to hand: </span></span></span></p><ul><li><span><span><span><span>Valid ID</span></span></span></span></li><li><span><span><span><span>Your most recent payslip and annual statement </span></span></span></span></li><li><span><span><span><span>Your most recent tax return </span></span></span></span></li><li><span><span><span><span>An account statement for your saving account(s) </span></span></span></span></li><li><span><span><span><span>A list of your investments </span></span></span></span></li><li><span><span><span><span>A list of your (student) debt and other loans </span></span></span></span></li><li><span><span><span><span>Your pension statement </span></span></span></span></li><li><span><span><span><span>An employer’s statement </span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Any questions about your current ING mortgage?"},{"componentType":"accordion","accordionList":[{"title":"Using home equity","richBody":{"value":"<p><span><span><span>If you intend to use your home equity, you’ll want tailored advice. That’s why we’d like to ask you a few quick questions over the phone. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"Is my current mortgage still right for me?","richBody":{"value":"<p><span><span><span>It is always a good idea to check if your mortgage is still a good fit for your current situation. We’d be happy to discuss this with you over the phone. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"Adjusting my mortgage rate","richBody":{"value":"<p><span><span><span>If you want to adjust your mortgage rate, we’d be happy to go over your options with you. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"Paying off part or all of my mortgage","richBody":{"value":"<p><span><span><span>If you want to repay part of your mortgage, you can do it yourself right away on My ING. And if you want to pay off your mortgage in full, we’d be happy to help you over the phone. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"Switching mortgage types","richBody":{"value":"<p><span><span><span>If you want to switch to a different type of mortgage, you’ll want tailored advice. That’s why we’d like to ask you a few quick questions over the phone. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"My situation is changing because I’m getting divorced","richBody":{"value":"<p><span><span><span>Seeing as we need to discuss the options in your situation with you personally, we’d prefer to do it over the phone. </span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]},{"title":"My situation has changed due to the death of a loved one","richBody":{"value":"<p><span><span><span>Seeing as we’d like to discuss the options in your situation with you personally, we’d prefer to do it over the phone.</span></span></span></p>"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment"}]}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Schedule an appointment yourself","intro":"If you’re an ING customer, pick a time slot that works for you","image":{"transformBaseUrl":"https://assets.ing.com/transform/f86b21d6-0bde-40dd-b19e-5f8d3bc88242/tip-insurance-calendar","type":"image","width":150,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/5f6ba0bcc66841ea/original/tip-insurance-calendar.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/contact/book-appointment"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Prefer to do it over the phone?","intro":"We’ll be delighted to help, even if you just want to run something by us","image":{"transformBaseUrl":"https://assets.ing.com/transform/34065ffd-b61b-4b68-953f-5afbdd467b2a/call-ing","type":"image","width":160,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/7b7c6c62bb9688be/original/call-ing.svg","extension":"svg"},"link":{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig"}}]}]},"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>"}}]}}}