In short: you’ll be in a stronger position when making an offer. We’ll thoroughly explore your options, and there’s no obligation. Handy, right?
Online tools give an indication, but every situation is unique. Think of factors such as your employment, relationship, savings, home equity and personal wishes. Together with your mortgage adviser, you’ll discuss which choices best fit your situation.
You’ll also receive an indication of how much you could borrow (subject to conditions) in your orientation certificate.
"},"textLinks":[{"text":"What an orientation certificate is useful for","url":"/en/personal/mortgage/contact/orientation-certificate"}],"title":"Why a free initial consultation?"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A free initial consultation or mortgage advice appointment is available at an ING branch in the locations listed below:
| | |
| | |
| Doetinchem | Tilburg |
| | Maastricht |
| | |
| | |
| Middelburg | |
| Arnhem | |
| Amstelveen | Amersfoort |
| Haarlem | |
| Purmerend | Denhaag |
| Zaandam | |
| | |
| | |
| Leiden | Leidschendam |
| Nijmegen | |
| |
Where can you get ING mortgage advice?
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"We see many people book a consultation to get answers to questions such as:
Why do others choose a free initial consultation?
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Buying a home isn’t something you do every day. For most people, it’s an exciting and sometimes stressful time. You want a mortgage adviser who thinks along with you.
We’re clear about what your adviser will do for you, and when you will (and won’t) pay any fees. You’ll receive this in black and white in a so‑called service document (Dienstverleningsdocument).
During your free initial consultation, you’ll also discuss what you expect from your adviser. What helps you make decisions?
Do you still have questions after the meeting, even 2 or 6 months later? Feel free to call or email your adviser.
"}}],"title":{"value":"An adviser you truly connect with
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Mortgage advice appointment"},{"componentType":"paragraph","richBody":{"value":"Mortgage advice: your personal consultation
From this point, we really go into detail. You’ll only pay advisory fees once you’ve signed the advice agreement.
For example, if your offer has been accepted, you’ll want to know from us as soon as possible:
Good to know: have you already made an offer or has it been accepted, but you haven’t had a free initial consultation yet? We’ll start there first. We can already calculate many things for you during this step. Afterwards, you decide whether you want to proceed with us and sign the advice agreement.
"}}],"title":{"value":"When do you choose a personal mortgage advice appointment?
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Based on your financial situation and personal preferences, we advise which mortgage types best suit your needs. Your adviser will document the following in your mortgage advice report:
What does your mortgage advice report include?
"}}],"componentType":"actionAccordion"},{"componentType":"paragraph","richBody":{"value":"Low monthly payments are appealing now, but excellent terms and conditions may be even more important. MoneyView has once again awarded ING mortgages the maximum rating of 5 stars for their terms and conditions. These will be clearly explained as part of your mortgage advice. For example:
You have already discussed all your preferences during your advice appointment. If our checks show that you can afford the mortgage amount, you’ll receive a mortgage offer. You’re almost there:
Next step: You receive the keys to your new home!
Optional: the insurance products recommended in your mortgage advice can be arranged with us at this stage, if you wish.
"},"title":"De laatste stap in je hypotheekadvies"},{"componentType":"sectionTitle","title":"Costs per situation"},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"What do you pay for mortgage advice for a new mortgage?
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You can finance your renovation by increasing your mortgage.
In this overview, you’ll find everything about increasing your mortgage and the associated costs.
Planning a renovation and already have an ING mortgage
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"For example, the term of your mortgage or the repayment type. Different fees may apply in these cases. You can always get in touch with us first for a quick consultation over the phone.
"}}],"title":{"value":"You’d like to make changes to your existing ING mortgage
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"How do you pay the costs?"},{"componentType":"paragraph","richBody":{"value":"The type of mortgage advice you receive depends on your goal. A new mortgage requires something different from your adviser than making changes to a mortgage you may have had for years. You can pay the final costs in the following ways:
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.
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