In a nutshell: it puts you in a stronger position when making an offer. We thoroughly explore your options, without you having to commit to anything at this stage.
Online tools give you a rough idea, but every situation is slightly different. Variables include your work, relationship, savings, surplus value, wishes and so on. Together with your mortgage advisor, you will discuss which options are best for you.
Your borrowing limit (subject to conditions) will be included in your orientation certificate.
"},"textLinks":[{"url":"/particulier/hypotheek/contact/orientatiecertificaat","text":"Orientation certificate (in Dutch)"}]},{"componentType":"paragraph","title":"How do I get in touch with an ING mortgage advisor?","richBody":{"value":"Many looking to buy a home schedule a consultation to answer questions such as:
Buying a property isn’t something you do every day, especially not if the country and market are new to you. So for most people it’s an exciting and sometimes stressful time. Are you looking for a mortgage advisor with whom you can exchange ideas?
From this moment on, we’ll really dig into the details. You only pay consultancy fees after you’ve signed the consultancy agreement. If we assume that your offer is accepted, you’ll want to know the following from us as soon as possible:
Tip: If you have already made an offer or had an offer accepted, but not yet had a free orientation consultation, we can start with that and immediately calculate all kinds of things for you. Only then will you decide if you want to use our services and sign the consultancy agreement.
"}},{"componentType":"paragraph","title":"What’s in your mortgage advice report?","richBody":{"value":"Based on your financial information and personal wishes, we recommend a mortgage for your personal situation. In the mortgage advice report, your advisor will include:
Getting the lowest possible monthly repayments is important at the beginning of your journey. But it’s perhaps even more important to have excellent mortgage terms and conditions. MoneyView gave the conditions of our ING mortgages a maximum score of 5 stars. The conditions are explained to you in your mortgage advice. For example:
You discussed all your wishes during your advisory consultation. If our checks show that you can afford the mortgage, you’ll receive a mortgage offer. You're almost there:
Optional: at this stage, you can immediately take out the insurance policies that we recommended in the mortgage advice report.
"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"What do you pay for mortgage advice with a new mortgage?","richBody":{"value":"You can increase your mortgage to release money for your renovation.
For example, the mortgage term or type of repayment. Different fees apply. You can always call us first to discuss this.
"}},{"componentType":"sectionTitle","title":"How do you pay the fees for the advice?"},{"componentType":"paragraph","richBody":{"value":"The type of mortgage advice you receive depends on your objective. A new mortgage requires more from the advisor than changing a mortgage you may have had for many years. In respect of the final fees, you can:
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.
"}}]}}}