{"type":"document","data":{"contentType":"onecms:subCategoryPage","flexPageMetadata":{"afmBanner":false,"description":"Calculate your maximum mortgage quickly and easily. And read all you need to know about a mortgage in the Netherlands","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"mortgage-hub"},{"componentType":"sectionTitle","title":"Onwards to your new home"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/21413cd0dec5963a/original/house-energy-label-4.svg","transformBaseUrl":"https://assets.ing.com/transform/08e435c0-413a-411c-aa4a-25c7ff3a385b/house-energy-label-4","type":"image","width":160},"intro":"The greener your energy label, the lower your interest rate.","link":{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate"},"title":"Save with an energy-efficient home"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/26ec6ff07e0977e1/original/Woman-dreaming-new-house-spot.png","transformBaseUrl":"https://assets.ing.com/transform/26164102-2c2f-4d1c-ad05-26935d1eed5c/Woman-dreaming-new-house-spot","type":"image","width":334},"intro":"Schedule your orientation meeting.","link":{"url":"/en/personal/mortgage/contact"},"title":"Explore your options with an advisor"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p>Get an instant, indicative calculation of your maximum mortgage and monthly repayments in five quick steps. If you want more peace of mind, discuss your situation in a free orientation meeting. This meeting lasts about one hour, during which our mortgage advisor will discuss the range of options open to you. Good to know: this meeting is free of charge and you have zero obligation. Let us know when we can call you to schedule this meeting. </p><p><a href=\"https://www.ing.nl/particulier/hypotheek/contact/engelstalig?subscrid=cmnl-mort-engelstalig\">Schedule a free orientation meeting</a></p>"},"title":"How much can I borrow?"},{"richBody":{"value":"<p>We use the <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates\">mortgage interest rate</a> linked to a 30-year annuity mortgage, plus a 10-year fixed interest rate and the <a data-type=\"internal\" href=\"/particulier/hypotheek/actuele-hypotheekrente/actieve-betaalrekening-korting\">Actieve Betaalrekening Korting</a> (in Dutch) discount on the interest.</p>"},"title":"What interest rate is the mortgage calculation based on ?"},{"richBody":{"value":"<p>If your maximum mortgage is €470,000 (2026) or lower, our online tool will base its calculation on <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates\">interest rate for NHG</a>.</p>"},"title":"How do I calculate a mortgage backed by the Dutch National Mortgage Guarantee (Nationale Hypotheek Garantie)?"},{"richBody":{"value":"<p>Calculating your maximum mortgage using the above tool gives you an indication. You then decide whether you want mortgage advice. There is a lot to take into account when choosing your mortgage. Calculating is a good first step! This way you get an impression of what house price you can look for.</p>"},"title":"Calculator for maximum mortgage: what does the outcome mean?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Calculating a mortgage: 3 tips"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You can finance up to 100% of the home value. </li><li>Is the house more expensive than your maximum mortgage? Then you can finance the rest by yourself. For example, with savings or with the surplus value on your sold home.</li><li>The buyer&apos;s costs (or: one-off costs) may not be financed in your mortgage. These costs include mortgage advice, notary costs and valuation costs.</li></ul>"}},{"componentType":"sectionTitle","title":"Why take out a mortgage with ING?"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextEN":"bank account","altTextFR":"compte bancaire","altTextNL":"zichtrekening","extension":"jpg","original":"https://assets.ing.com/m/3ccfb5965b245978/original/Do-More-icon-18-25.jpg","transformBaseUrl":"https://assets.ing.com/transform/8b98c1e1-c3bc-4f20-a293-22fc2841fc64/Do-More-icon-18-25","type":"image","width":924},"items":[{"title":"100% financing mortgage loan possible"},{"title":"Specialised expat advisors who speak English"},{"title":"Housing services that make your life easier, e.g., building inspection and notary services"}]},{"componentType":"sectionTitle","title":"Schedule a free orientation meeting"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/6531a12780b85e3/original/Online-Aanvragen-Verkleind.jpg","transformBaseUrl":"https://assets.ing.com/transform/237d18f7-497d-4381-8cc5-e20c0141d292/Online-Aanvragen-Verkleind","type":"image","width":300},"intro":"We call you back","link":{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig"},"title":"Schedule an appointment with us"}],"componentType":"cards"}]},"hasMacro":false,"id":"5ceb59ca-48f9-4c51-afcf-7eff6897b1e5","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>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.</p>"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage","url":"/en/personal/mortgage"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Calculate your maximum mortgage quickly and easily. This is useful if you are looking to buy a house, or if you are just curious.","title":"Mortgage calculator"}},"publishDate":"2026-05-31T21:18:00.205+02:00"}}