{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Book a free, no‑obligation mortgage consultation in Apeldoorn with ING. Get clear, personalised insight into your options and next steps.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"From a free introductory meeting to a mortgage offer"},{"componentType":"paragraph","richBody":{"value":"

An introductory meeting is always free of charge and with no obligation. During this meeting, we review your situation together and answer your questions. If you then choose personal, paid guidance, the next step is an advice meeting. From that moment onwards, advice fees apply. These costs depend on your situation and are explained on the advice fees page.

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Why start with a free introductory meeting?

You begin with a clear overview, without any obligations. Online tools provide an initial estimate, but they do not take all personal circumstances into account. Consider your income, employment, relationship status, savings, any home equity and your housing plans. Together with a mortgage adviser, you explore which options best suit your situation.

An indication of what you may be able to borrow (subject to conditions) is recorded in an orientation certificate. This gives you a clear starting point for your next steps.

Where can you receive ING mortgage advice in Apeldoorn?

You choose what works best for you:

Many things can be arranged digitally, but sometimes it is helpful to meet in person. Video consultations are often also available in the evenings or at weekends.

An adviser who thinks along with you

Buying a home or adjusting your mortgage is an important decision and may raise questions. It helps to speak with an adviser who thinks along with you and clearly explains what to expect.

ING is transparent about:

This is documented in a service document. Even after your first meeting, you can always return to us with further questions.

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Step 1: Introductory meeting in Apeldoorn

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Mortgage advice in Apeldoorn: your personal advice meeting

As your situation becomes more concrete, a personal advice meeting is often the next step. From the moment you sign the advice agreement, advice fees apply. This meeting is usually relevant when your offer has been accepted or when you want to adjust your existing mortgage.

When is a personal advice meeting relevant?

A personal advice meeting is typically suitable if:

Have you already made an offer or has your offer been accepted but you have not yet had a free introductory meeting? ING will usually start there. During that meeting, we can already calculate a lot for you. After that, you decide whether to proceed with paid advice.

What is included in your mortgage advice report?

Based on your financial details and personal preferences, ING advises which mortgage option(s) best suit your situation. The report includes:

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Step 2: Advice meeting

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The final step in your mortgage advice

You will already have discussed your preferences during the advice meeting. If our checks confirm that you can afford the mortgage, you will receive a mortgage offer. You are then almost there:

Optional: you can arrange the recommended insurances at this stage.

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Step 3: Mortgage offer

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Independent research agency MoneyView has once again awarded our mortgage conditions the maximum 5-star rating this year. We are proud of this.

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Do you live in Apeldoorn or the surrounding area and want to explore your options? You can choose a meeting at an office or via video call. Whichever option you prefer, you always start with a free introductory meeting. This provides clarity on what is possible and the most logical next step.

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Renovating your home with an ING mortgage

You may be able to finance renovations by increasing your mortgage. In some cases, this can be done without advice fees — check what is required.

Making changes to your current ING mortgage

For example, adjusting the term or repayment structure. Different costs may apply. You can always discuss this by phone first.

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Costs per situation

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The type of advice depends on your objective. A new mortgage requires a different level of guidance than adjusting an existing mortgage.

You can:

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How do you pay the costs?

"}}],"componentType":"actionAccordion"}]},"hasMacro":false,"id":"604334da-cc00-4086-98b1-7a89ad0f8c1a","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage","url":"/en/personal/mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Would you like to turn your housing plans in Apeldoorn into a mortgage that fits your needs, and first gain a clear understanding of your situation? At ING, you can start with a free introductory meeting with a mortgage adviser. This can take place at an ING office in Apeldoorn or, in many cases, via a video call. This gives you insight into your financial options and helps you understand the most logical next step.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/b8778c1f-e128-4b5c-96dd-328293f18af9/731651-header.jpg","transformBaseUrl":"https://assets.ing.com/transform/b8778c1f-e128-4b5c-96dd-328293f18af9/731651-header","type":"image","width":600},"subtitle":"From a free introductory meeting to your mortgage offer","title":"Mortgage advice in Apeldoorn"},"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":"2026-06-03T16:15:36.097+02:00"}}