Then consider a free introductory mortgage consultation. In this meeting, we’ll thoroughly explore your options — helping you feel more confident when making an offer. And there’s no obligation whatsoever. Convenient, right?
"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"I am an ING customer","intro":"Log in and book your mortgage appointment right away","image":{"transformBaseUrl":"https://assets.ing.com/transform/1c8f40ef-e91b-44bf-a9bb-e6ac61c43c4c/Locked_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/777d96b05d4b2a15/original/Locked_outline_orange_RGB.png","extension":"png"},"link":{"url":"/en/personal/mortgage/contact/book-appointment"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"I am not an ING customer (yet)","intro":"Together we’ll schedule a suitable time","image":{"transformBaseUrl":"https://assets.ing.com/transform/12c97a75-760c-4c74-9d0a-68bf2fb02d34/Callcentre-Icon","type":"image","width":200,"original":"https://assets.ing.com/m/3db5df868eedf244/original/Callcentre-Icon.png","extension":"png"},"link":{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig"}}]},{"componentType":"sectionTitle","title":"Why get your mortgage with ING?"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/8b98c1e1-c3bc-4f20-a293-22fc2841fc64/Do-More-icon-18-25","type":"image","width":924,"original":"https://assets.ing.com/m/3ccfb5965b245978/original/Do-More-icon-18-25.jpg","extension":"jpg"},"highlighted":false,"items":[{"title":"More than 670,000 homeowners trust ING for their mortgage"},{"title":"Around 1,200 new mortgage consultations per week"},{"title":"High customer rating for mortgage advice"}]},{"componentType":"sectionTitle","title":"Calculating your mortgage payments: gross versus net"},{"componentType":"paragraph","richBody":{"value":"In short: your gross mortgage payments are what you pay to the bank. Many people are eligible for mortgage interest tax relief, which can provide a tax benefit. If you choose to have this tax relief paid out to you monthly by the Tax Administration, your net monthly payments will be lower.
"}},{"componentType":"sectionTitle","title":"Calculate your gross monthly mortgage payments"},{"componentType":"paragraph","richBody":{"value":"In general, the more you borrow, the higher your monthly payments will be. How high your gross monthly payments are depends, among other things, on the type of mortgage you choose:
As mentioned earlier, the fixed‑rate period also affects the calculation of your monthly payments:
Other factors that determine your mortgage interest rate and therefore influence your monthly payments, include:
Important: in our mortgage monthly costs calculator, we calculate using an annuity mortgage with NHG, a 10‑year fixed‑rate period and an A+++ energy label. You can adjust these settings, for example by selecting a different mortgage type or fixed‑rate period.
"}},{"componentType":"sectionTitle","title":"Calculating your net mortgage payments"},{"componentType":"paragraph","richBody":{"value":"Your net monthly mortgage payments are often lower. This is due to the tax benefit from mortgage interest tax relief. Here’s how it works:
How to calculate your tax benefit:
More and more people buying a new home pay attention to the energy label and for good reason. The better the energy label, the more energy‑efficient the home. With us, the energy label also affects your mortgage interest rate and therefore your monthly payments.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate","text":"Find out how it works"}]},{"componentType":"sectionTitle","title":"Frequently viewed alongside the monthly mortgage calculator"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Current mortgage interest rates","intro":"Explore mortgage rates and available discounts for every mortgage type, including NHG.","link":{"url":"/en/personal/mortgage/current-mortgage-rates"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Mortgage advice","intro":"From buying a home to renovating or making it more sustainable: here’s how we help you move forward.","link":{"url":"/en/personal/mortgage/mortgage-advice"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Upgrade your house","intro":"Discover how we help you improve your home’s energy label.","link":{"url":"/en/personal/mortgage/sustainable-living"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"ING ranked in the top 3 for mortgages","intro":"Check what independent research says about our terms and conditions.","link":{"url":"/en/personal/mortgage/buying-a-house/mortgage-conditions-moneyview"}}]},{"componentType":"sectionTitle","title":"What others ask about calculating mortgage payments"},{"componentType":"accordion","accordionList":[{"title":"What do my total monthly mortgage payments consist of?","richBody":{"value":"Your total monthly mortgage payments depend on the type of mortgage you choose:
Do you already have an ING mortgage and want to lower your monthly payments? Then take a look at these scenarios where a lower interest rate may be possible:
Keep in mind that, in addition to your mortgage payments, you’ll also face several other monthly expenses:
If you add these costs to your mortgage payments, you’ll get a good indication of your total monthly housing expenses.
"}}]},{"componentType":"sectionTitle","title":"Once again, a 5‑star rating from MoneyView for our terms and conditions"},{"componentType":"paragraph","richBody":{"value":"The independent research agency MoneyView has once again awarded the terms and conditions of our ING mortgages the maximum rating of 5 stars. This places ING’s annuity, linear and interest‑only mortgages in the top 3 out of more than fifty other mortgage products. With ING, you not only benefit from excellent terms when you take out your mortgage, but also throughout the entire duration of your mortgage.
"},"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":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice for expats"},{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"}]}]},"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.
"}}]}}}