{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Book a free, no‑obligation mortgage consultation in Alkmaar with ING. Get clear, personalised insight into your options and next steps.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"From free introductory meeting to mortgage offer"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>An introductory meeting is always free of charge and without obligation. During this meeting, we review your situation together and answer your questions. If you then choose personal, paid guidance, you will move on to an advice meeting. From that point onwards, advice fees apply. These costs depend on your situation and are explained on the </span></span></span><a data-type=\"internal\" href=\"/en/personal/mortgage/advisory-fees\">advice fees page</a><span><span><span>.</span></span></span></p>"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<h4></h4><p><span><span><span><strong>Why start with a free introductory meeting</strong></span></span></span></p><p>You begin with clarity, without committing to anything. Online tools provide a first estimate but do not take all personal factors into account, such as:</p><ul><li>your income</li><li>employment situation</li><li>relationship status</li><li>savings</li><li>any home equity</li><li>your housing plans</li></ul><p>Together with a mortgage adviser, you discuss which choices best suit your situation.</p><p>An indication of what you may be able to borrow (subject to conditions) is recorded in an <a data-type=\"internal\" href=\"/en/personal/mortgage/contact/orientation-certificate\">orientation certificate</a>. This gives you a clear starting point as you continue exploring your options.</p><p><strong>Where can you receive ING mortgage advice in Alkmaar?</strong></p><p>You can choose what suits you best:</p><ul><li>an in-person meeting at an ING office in Alkmaar</li><li>a video consultation from home</li></ul><p>Many things can be arranged digitally, but sometimes it is helpful to meet in person. <a data-type=\"internal\" href=\"/en/personal/mortgage/contact/video-call\">Video consultations</a> are often available in the evenings and at weekends as well.</p><p><strong>An adviser who supports your decisions</strong></p><p><a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house\">Buying a home</a> or adjusting your mortgage is an important decision and can raise questions. It helps to speak with an adviser who listens, thinks along with you, and clearly explains what to expect.</p><p>ING is transparent about:</p><ul><li>what the adviser does for you</li><li>when you pay fees and when you do not</li><li>what the next steps are</li></ul><p>This is documented in a service agreement. Even after your first meeting, you can always return with additional questions.</p><p></p>"},"textLinks":[{"text":"Book a free introductory meeting","url":"/en/personal/mortgage/contact/book-appointment"}]}],"title":{"value":"<p>Step 1: Introductory meeting in Alkmaar</p>"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<h4></h4><p><strong>Your personal mortgage advice meeting</strong></p><p>As your plans become more concrete, a personal advice meeting is often the next step. From the moment you sign the advice agreement, advice fees apply.</p><p>This step is usually relevant when:</p><ul><li>your offer on a property has been accepted</li><li>you want to switch your existing mortgage to ING</li><li>you want to increase your ING mortgage for renovations</li><li>you already have an ING mortgage and want to make changes</li></ul><p>If your offer has already been made or accepted but you have not yet had a free introductory meeting, ING will usually still begin with that step. During this meeting, much can already be calculated, after which you decide whether to proceed with paid advice.</p><p><strong>What is included in your mortgage advice report?</strong></p><p>Based on your financial details and personal preferences, ING advises which mortgage option(s) best fit your situation. The report includes, for example:</p><ul><li>the selected <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-types\">mortgage type(s)</a>, term, and interest rate</li></ul><ul><li>your <a data-type=\"internal\" href=\"/en/personal/mortgage/monthly-costs/calculate-monthly-mortgage-costs\">monthly payments</a> now and, for instance, in 10 years</li><li>the impact of expected life events such as retirement or family expansion</li><li>scenarios for unexpected situations such as disability, unemployment, or death</li><li>which insurances may be relevant, with full freedom of choice on where to arrange them</li></ul>"}}],"title":{"value":"<p>Step 2: Advice meeting</p>"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>The final step in your mortgage journey</p><p>After discussing your preferences and completing the necessary checks, if it is confirmed that you can afford the mortgage, you will receive a mortgage offer.</p><p>From there:</p><ul><li>You sign the mortgage offer and advice report once you agree</li><li>If you are moving, you sign the mortgage deed and transfer deed at the notary</li><li>Your adviser will guide you throughout this process</li><li>You can choose your own notary or use one via ING at a competitive rate</li><li>You receive the keys to your new home</li></ul><p>Optional: you can also arrange recommended insurances at this stage.</p>"}}],"title":{"value":"<p>Step 3: Mortgage offer</p>"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"5-star rating for our mortgage conditions"},{"alignedImage":{"position":"bottom","extension":"png","original":"https://assets.ing.com/asset/2a2a4165-a0b9-40da-93e9-1b70d4243d7f/MoneyView-2025-sterren-3producten-1.png","transformBaseUrl":"https://assets.ing.com/transform/2a2a4165-a0b9-40da-93e9-1b70d4243d7f/MoneyView-2025-sterren-3producten-1"},"componentType":"paragraph","richBody":{"value":"<p>Independent research agency MoneyView has once again awarded our mortgage conditions the maximum rating of 5 stars — something we are proud of.</p>"}},{"componentType":"sectionTitle","title":"Mortgage advice in Alkmaar"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If you live in or around Alkmaar and want to explore your options, you can choose a meeting at an office or via video. Whichever option you prefer, you always start with a free introductory meeting that provides clarity and direction for your next step</span></span></span></p>"}},{"componentType":"cta","textLink":{"text":"Book a free introductory meeting","url":"/en/personal/mortgage/contact/book-appointment"}},{"componentType":"sectionTitle","title":"Costs of mortgage advice"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/af579f99-b7f0-42e8-8b92-e881faaad5a8/Products-Mortgage_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/af579f99-b7f0-42e8-8b92-e881faaad5a8/Products-Mortgage_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>The introductory meeting is free and without obligation</li><li>If you proceed with an advice meeting, you pay <a data-type=\"internal\" href=\"/en/personal/mortgage/advisory-fees\">advice fees</a> — fully transparent in advance</li></ul><p><strong>Renovating your home with an ING mortgage</strong></p><p>You may be able to finance renovations by increasing your mortgage. In some cases, this can be done without advice fees — <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/increase/increase-without-advice\">check what is required</a>.</p><p><strong>Making changes to your current ING mortgage</strong></p><p>For example, adjusting the term or repayment structure. Different costs may apply. You can always discuss this by phone first.</p>"}}],"title":{"value":"<p>Costs per situation</p>"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>The type of advice depends on your objective. A new mortgage requires a different level of guidance than adjusting an existing mortgage.</p><p>You can:</p><ul><li>pay the costs yourself (e.g. from savings), or</li><li>in some cases, include them in your mortgage</li></ul>"},"textLinks":[{"text":"Tip: Check which costs are tax-deductible.","url":"/en/personal/mortgage/your-mortgage-and-taxes"}],"title":"De kosten voor hypotheekadvies"}],"title":{"value":"<p>How do you pay the costs?</p>"}}],"componentType":"actionAccordion"}]},"hasMacro":false,"id":"16b597e6-25ae-466b-ad12-07092d8e9752","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage","url":"/en/personal/mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Would you like to explore which mortgage best suits your housing plans in Alkmaar and first gain a clear overview? At ING, you can start with a free introductory meeting with a mortgage adviser. This can take place at an ING mortgage office in Alkmaar or, in many cases, via a video call. This way, you gain insight into your options and understand the most logical next step for your situation.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/b4d0e222-efe8-4087-acea-14aabc00339e/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},"subtitle":"From a free introductory meeting to your mortgage offer","title":"Mortgage advice in Alkmaar"},"cta":{"componentType":"cta","textLink":{"text":"Book a free introductory meeting","url":"/en/personal/mortgage/contact/book-appointment"}},"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":"Calculate your maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"}},"usps":[{"body":"Over 670,000 homeowners have an ING mortgage","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/14471298-89dd-4b64-b5df-1e34eee74676/Savings_goals-Home_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/14471298-89dd-4b64-b5df-1e34eee74676/Savings_goals-Home_Filledin","type":"image","width":24}},{"body":"Around 1,200 new mortgage consultations each week","icon":{"extension":"png","original":"https://assets.ing.com/asset/db2abfdb-58a3-4d77-8abe-46eff45b8879/Two_persons_large_filled.png","transformBaseUrl":"https://assets.ing.com/transform/db2abfdb-58a3-4d77-8abe-46eff45b8879/Two_persons_large_filled","type":"image","width":512}},{"body":"High customer satisfaction with our mortgage advice","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/0d725c30-adeb-4b6b-8087-834aa9709a1a/Feedback-Heart_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/0d725c30-adeb-4b6b-8087-834aa9709a1a/Feedback-Heart_Filledin","type":"image","width":24}}]},"publishDate":"2026-06-03T14:59:30.908+02:00"}}