With ING’s new approach to mortgage interest rates, your home’s energy label is now also a factor in setting your interest 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 the interest rate on your mortgage, either in one go or gradually.
Home energy performance labels range from A++++ (highly energy-efficient) to G (not energy-efficient at all).
"},"textLinks":[{"text":"Everything you need to know about energy labels","url":"/particulier/hypotheek/duurzaam-wonen/energielabels-bij-huizen"}]},{"componentType":"sectionTitle","title":"When and to whom will this apply?"},{"componentType":"paragraph","richBody":{"value":"From 30 April 2025, the energy label will be a factor in setting our mortgage interest rate. Previously, you could get a sustainability discount if your home had energy label A or better. We have now increased the weighting of the energy label and any energy label can now have an effect on your mortgage interest rate. Not having a valid energy label may also affect your interest rate.
Click here to see the current interest rates and how they are affected by the energy label. The energy label will be a factor in setting your mortgage interest rate when you:
"}},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"svg","original":"https://assets.ing.com/m/2c83be45830ea24d/original/house-money-solar-green-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/96fd22d9-b3cd-4bd6-ac32-12d4fcceea7e/house-money-solar-green-spot","type":"image","width":160},"items":[{"body":"Take out a new ING mortgage"},{"body":"Borrow more on your current mortgage, but only for the new part of the loan"},{"body":"Choose a new fixed-rate period"},{"body":"Remortgage and receive a new interest rate proposal from us"}]},{"componentType":"sectionTitle","title":"How it works"},{"accordionList":[{"richBody":{"value":"If you have received a new interest rate proposal from us, such as when taking out a new mortgage or choosing a new fixed-rate period, the energy label will be a factor in setting your mortgage interest rate. Not having a valid energy label may also affect your interest rate.
"},"title":"New mortgage or a new fixed-rate period"},{"richBody":{"value":"If you install energy-efficiency measures and get an energy label for your home for the first time, or you get a better energy label during the term of your new fixed-rate period (if your fixed period started at 30 April 2025 or later), ING will now automatically change your mortgage interest rate accordingly. This can be at any time during your fixed-rate period. ING does this based on official energy label data from the Netherlands Enterprise Agency (Rijksdienst voor Ondernemend Nederland (RVO)). This means that you won’t have to make your whole house fully sustainable in one go, as you may also qualify for a lower interest rate if you gradually improve your home’s energy performance.
"},"title":"Registration or improvement of the energy label"},{"richBody":{"value":"Don't have a registered energy label yet? Or has your energy label expired? In those cases, we will use the interest rate listed for ‘No energy label available’. As a result, your mortgage interest rate may be higher when you sign a new mortgage contract, such as when choosing a new fixed-rate period. Click here for a list of current interest rates and how they are affected by the energy label.
"},"title":"Don't have a registered energy label"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"How to get an energy label"},{"componentType":"paragraph","richBody":{"value":"Go to energielabel.nl to check your home’s current energy label.
When you buy a property, it’s up to the seller to register the energy label. Your mortgage adviser will supply the energy label for your mortgage application. ING will verify the energy label with the Netherlands Enterprise Agency.
If you already own a home, it may not have an energy label yet. Or your home’s energy label may be outdated or have expired, because energy labels are valid for 10 years. Energy labels are issued by energy performance advisers. They will come to your home to assess its energy performance and determine the energy label, which they subsequently register with the Netherlands Enterprise Agency.
If you, like many others in the Netherlands, want to install energy-saving measures in your home, we’re here to help you make your home more energy-efficient. You can start off, for example, by doing the ING Upgrade check. It will give you a quick and simple idea of what you can do and what you will get out of it.
"},"title":"How to get a better energy label"},{"richBody":{"value":"Once you have upgraded to a better energy label, you may qualify for a lower interest rate (if your fixed period started at 30 April 2025 or later). If so, ING will automatically change the interest rate for you as soon as the improved energy label has been registered with the Netherlands Enterprise Agency. The new rate will then take effect from the first day of the month following the month when your new energy label appeared in the Netherlands Enterprise Agency’s system. We will also show your energy label and the associated interest rate in your mortgage details on My ING.
If your home’s energy label is downgraded or has expired, we will not change the interest rate during your fixed-rate period.
"},"title":"How to change your interest rate"},{"richBody":{"value":"If you move house, you will in most cases be able to take your interest rate arrangements with you to your new ING mortgage. Click here for more information about this portability rule, or talk to your mortgage adviser about it.
If you have signed an interest rate contract with a rate of interest that is partly based on your energy label, you can take the interest rate arrangements with you, even if your new home has a different energy label. We will then look at your new home’s energy label and adjust your old interest rate arrangements accordingly. Click here for more information about the portability rule.
"},"title":"Moving house"}],"componentType":"accordion"},{"componentType":"paragraph"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"Want to know more?"},"textLinks":[{"text":"Read all details in the mortgage information overview","url":"/particulier/hypotheek/contact/basisinformatie-en-algemene-voorwaarden"}]},{"componentType":"sectionTitle","title":"Convenient"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"save","altTextFR":"épargner","altTextNL":"sparen","extension":"jpg","original":"https://assets.ing.com/m/1f5c89d01c060a76/original/A-happy-man-smiles-and-gives-the-camera-a-thumbs-up.jpg","transformBaseUrl":"https://assets.ing.com/transform/8a182c03-4ac8-4ef3-86d9-38f73ebfdfb5/A-happy-man-smiles-and-gives-the-camera-a-thumbs-up","type":"image","width":7990},"intro":"Until April 30 2025 we offered Sustainability discount.","link":{"url":"/particulier/hypotheek/actuele-hypotheekrente/duurzaamheidskorting"},"title":"Sustainability discount"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/66b281c809adbf37/original/Smiling-couple-on-floor-brand-bar-Sustainable-housing.jpg","transformBaseUrl":"https://assets.ing.com/transform/44ec764c-41d4-4229-93d0-f4918cfb2116/Smiling-couple-on-floor-brand-bar-Sustainable-housing","type":"image","width":5905},"intro":"Read all about sustainable living and getting a better energy label","link":{"url":"/particulier/hypotheek/duurzaam-wonen"},"title":"Upgrade your home"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/630b2304e8e5209b/original/In-a-city-apartment-flat-s-balcony-during-stay-at-home-days-mid-age-happy-woman-handling-her-plants-and-flowers.jpg","transformBaseUrl":"https://assets.ing.com/transform/d616426f-a459-4e91-9703-026ead6d62f9/In-a-city-apartment-flat-s-balcony-during-stay-at-home-days-mid-age-happy-woman-handling-her-plants-and-flowers","type":"image","width":6000},"intro":"Find out what you can do as an Owners’ Association","link":{"url":"/en/personal/mortgage/sustainable-living/upgrade-your-apartment-with-your-hoa"},"title":"Sustainability for Owners’ Associations"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/3819b7025de5501d/original/PORTRAIT-OF-A-SMILING-GIRL-WITH-WOMAN.jpg","transformBaseUrl":"https://assets.ing.com/transform/72929bb8-a251-4fa2-a284-590d779b1a56/PORTRAIT-OF-A-SMILING-GIRL-WITH-WOMAN","type":"image","width":5700},"intro":"Find out what grants, schemes and other financing options there are","link":{"url":"/particulier/hypotheek/duurzaam-wonen/financieren"},"title":"How to pay for it"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/40ebd62d37baf852/original/a-street-with-brick-buildings-and-cars-parked-in-front.jpg","transformBaseUrl":"https://assets.ing.com/transform/b4d0e222-efe8-4087-acea-14aabc00339e/a-street-with-brick-buildings-and-cars-parked-in-front","type":"image","width":1695},"intro":"5 tips for energy-saving measures in your listed building","link":{"url":"/particulier/hypotheek/duurzaam-wonen/waarom-aardgasvrij-wonen"},"title":"Making a listed building more sustainable"}],"componentType":"cards"},{"componentType":"paragraph","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.
"},"title":"Good to know"}]},"hasMacro":false,"id":"a6e265ca-e502-4118-9513-dbe4e76c5e5d","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Current mortgage rates","url":"/en/personal/mortgage/current-mortgage-rates"}},"componentType":"productHeader","coreHeader":{"body":"One of the factors we use at ING to set your mortgage interest rate is your home’s energy label. In the following, we will explain exactly how this works and when you may qualify for a lower interest rate.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/4e281542ceb51390/original/young-woman-dances-1.jpg","transformBaseUrl":"https://assets.ing.com/transform/548d699c-d7be-4117-8803-6405d385d387/young-woman-dances-1","type":"image","width":1920},"subtitle":"Here’s how it works","title":"Your energy label and your mortgage interest rate"},"cta":{"componentType":"cta","textLink":{"text":"Current mortgage interest rates","url":"/particulier/hypotheek/actuele-hypotheekrente"}},"legalBanner":{"body":"Let op! Geld lenen kost geld","componentStyle":"default","headerBannerType":"headerBannerType","image":{"extension":"svg","original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46}},"secondaryCta":{"textLink":{"text":"Initial orientation: what & how","url":"/particulier/hypotheek/contact"}}},"publishDate":"2026-04-13T15:56:10.990+02:00"}}