Each combination of mortgage type, fixed-rate interest period and loan-to-value ratio (without NHG) involves a specific interest rate: the product interest rate.
The Mortgage type
The interest you pay depends on the mortgage type, among other things. ING is offering various types of mortgages. Each mortgage type has its own product interest rate. Do you have a mortgage with Dutch National Mortgage Guarantee (NHG)? Then the separate NHG product interest rate applies per mortgage type.
"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types","text":"More information about mortgage types"}]},{"componentType":"paragraph","richBody":{"value":"The fixed-rate period
When you opt for a fixed-rate period, the interest rate will be fixed for a certain period of time. This can be one year, or even five, ten or twenty years. In general, the longer the fixed-rate period, the higher the interest rate. On the other hand, when your rate is fixed you know exactly what your monthly expenses will be during this period.
The energy label and your mortgage interest rate
From 30 April 2025 on the energy label will affect our mortgage interest rate. Previously, you could get sustainability discount for energy label A or better. Now the influence of the energy label has expanded and each energy label can affect your mortgage interest rate. Note; the lack of a valid energy label can also affect your interest rate. We kindly explain to you how this works, and when you can get a lower interest rate.
More information about your energy label and your mortgage interest rate
Loan-to-value ratio
Your mortgage has a loan-to-value ratio. This is a percentage that reflects how high the mortgage is compared to the fair value of your property. This ratio indicates how high the risk is for you and for ING that your house will not yield sufficiently when selling to solve the mortgage debt. In general, the higher the loan-to-value ratio, the greater this risk and the higher the product interest rate.
Good to know: With a mortgage with Dutch National Mortgage Guarantee (NHG), the loan-to-value ratio currently plays no role in the level of the product interest rate. The NHG product interest rate does depend on the mortgage type and the fixed-rate period.
"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/loan-to-value-surcharge-or-discount","text":"More information about loan-to-value ratio"}]},{"componentType":"sectionTitle","title":"Discounts and surcharges on mortgage interest rates"},{"componentType":"paragraph","richBody":{"value":"The surcharges and discounts below are valid for a maximum of 1 fixed-interest term.
Other discounts and surcharges | |
|---|---|
| Active Payment Discount | -0,25% |
| Sustainability Discount (for Energylabel A or better) | No longer possible |
| Day rate surcharge | 0,25% |
| Loyalty bonus | No longer possible |
These rates apply to new offers and interest rate adjustments for existing mortgages issued from %{prijs.hyp.vast:overigekortingenenopslagen.ingangsdatum.dmmmmjjjj}%.
Between 24 November 2022 and 29 April 2025, you could qualify for a sustainability discount at the start of a new fixed-rate period under certain conditions. Look for the terms of the Sustainability Discount in your mortgage offer.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/active-payment-discount","text":"More about Active Payment Discount"},{"url":"/en/personal/mortgage/current-mortgage-rates/sustainability-discount","text":"More about Sustainability Discount"},{"url":"/en/personal/mortgage/current-mortgage-rates/what-is-dayrate","text":"More about Day Rate surcharge"}]},{"componentType":"paragraph","richBody":{"value":"All these characteristics compose the interest that you will pay: your personal interest rate. Do you already have an ING mortgage? Easily find your personal interest rate here.
"}},{"componentType":"sectionTitle","title":"Information about interest rates"},{"componentType":"paragraph","richBody":{"value":"When choosing a mortgage type, it is important that you are aware of all mortgage rates. That is why ING has also listed all other information about rates and costs.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"},{"url":"/en/personal/mortgage/current-mortgage-rates/other-mortgage-fees","text":"Other costs"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Advisory costs"}]},{"componentType":"paragraph","richBody":{"value":"No rights can be derived from the information on the page. ING cannot be held liable for incorrect information.
"}},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice in English"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage types"},{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"},{"url":"/en/personal/mortgage/advisory-fees","text":"Advisory fees"},{"url":"/en/personal/mortgage/property-services","text":"Property services"}]}]},"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.
"}}]}}}