{"type":"document","data":{"id":"7b4d0476-1868-4501-b481-53e474d62a27","localeString":"en-GB","publishDate":"2026-03-30T10:25:32.009+02:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Lower interest rate? See everything you need to know about refinancing your mortgage in one clear overview. Tip: Try the popular refinancing test, it’s free."},"mainHeaderZone":{"componentType":"categoryHeader","legalBanner":{"image":{"transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46,"original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","extension":"svg"},"body":"Let op! Geld lenen kost geld","headerBannerType":"headerBannerType","componentStyle":"default"},"backLink":{"textLink":{"url":"/en/personal/mortgage","text":"Mortgage"}},"coreHeader":{"title":"Refinancing your mortgage: pay less for the same home","subtitle":"Thinking about refinancing your mortgage with ING? Find out whether it’s a good option for you and learn how the process works."}},"flexZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Is refinancing to ING a good option for you?","intro":"You might be able to save money. Take the free test.","link":{"url":"/en/personal/mortgage/mortgage-refinancing/refinance-tool"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Clarity first","intro":"Refinancing your mortgage is not free of charge. What should you take into account? We’ve listed the costs for you.","link":{"url":"/en/personal/mortgage/mortgage-refinancing/costs-of-refinancing"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Get immediate answers to your questions","intro":"Fancy a quick 10‑minute call with us? There are no strings attached.","link":{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"If you already have an ING mortgage","intro":"Curious whether you can lower the interest rate on your ING mortgage? Explore your options.","link":{"url":"/en/personal/mortgage/mortgage-refinancing/lowering-mortgage-rate"}}]},{"componentType":"sectionTitle","title":"That’s why you choose ING."},{"componentType":"paragraph","richBody":{"value":"<ul><li>Over 670,000 home owners have an ING mortgage </li><li><p>5‑star rating from Moneyview for our terms and conditions</p></li><li>Customer rating for <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice\">mortgage advice</a>: 9.1”</li></ul>"}},{"componentType":"sectionTitle","title":"Refinance your mortgage without the hassle"},{"componentType":"paragraph","richBody":{"value":"<p>Have you seen from the free test that refinancing might be worthwhile? With the following 3 steps, you’re already well on your way to lowering your monthly payments.</p><ol><li>Look up your exact current interest rate and monthly payments, and the date your fixed‑rate period ends.</li><li>Check with your current mortgage provider what early‑repayment fees (also known as ‘penalty interest’ or ‘compensation’) you would pay to end your mortgage early.</li><li>Have us <a data-type=\"internal\" href=\"/en/personal/mortgage/contact\">call you </a>(you choose when) or<a data-type=\"internal\" href=\"/en/personal/mortgage/contact/book-appointment\"> schedule a free orientation meeting</a> with an advisor. Together, we’ll discuss your options.</li></ol><p>Does the outcome of your conversation feel right? Then we’ll start your switch as soon as you’re ready. You’ll know exactly what to expect in advance. Need more time to think about it? Take all the time you need!</p>"}},{"componentType":"sectionTitle","title":"Refinancing your mortgage: why would you?"},{"componentType":"paragraph","richBody":{"value":"<p>The number‑one reason homeowners choose to refinance is lower monthly payments. They ‘move’ their mortgage from one lender to another because the interest rate is lower elsewhere. This way, you can stay comfortably in the same home while still benefiting from a lower mortgage rate.<br />Your home’s energy label also affects your interest rate. You can read all about that <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate\">here</a>.</p><p> </p>"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-refinancing/refinancing-example-calculation","text":"How quickly refinancing pays for itself"}]},{"componentType":"sectionTitle","title":"Pros and cons of refinancing your mortgage"},{"componentType":"paragraph","richBody":{"value":"<p>Whether refinancing your mortgage is a good idea depends on your personal situation. In any case, make sure to keep the following in mind:</p><table><thead><tr><th><p>The benefits of refinancing your mortgage</p></th><th><p>The potential downsides of refinancing your mortgage.</p></th></tr></thead><tbody><tr><td><ul><li>You’ll pay a lower interest rate and therefore lower monthly payments for a longer period than you do now.</li><li>The early‑repayment costs (also called “penalty interest” or “compensation”) are tax‑deductible.</li><li>If you already use Mijn ING or the app, you can view everything about your mortgage just as easily as your balance, savings and any deals in the ING Shop.</li></ul></td><td><ul><li>If you’re planning to move within the next two years, refinancing is usually not a smart choice. </li><li>Refinancing a (bank) savings-based mortgage often makes little sense and can even end up costing you more.</li><li>The early‑repayment costs can be so high that it may take years to earn them back through your lower monthly payments.”</li></ul></td></tr></tbody></table><p>Always make sure to get proper advice to understand whether refinancing your mortgage is the right choice for you. Feel free to call us or an <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice/advice-independent-adviser\">independent adviser</a> if you want to know what applies in your situation. </p>"}}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Free quick check","intro":"Find out in 1 minute whether refinancing with ING is worthwhile for you","image":{"transformBaseUrl":"https://assets.ing.com/transform/ac281d94-9487-4c4b-bfc8-11b84209bb8d/info","type":"image","width":720,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/6497cdc932015799/original/info.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/mortgage-refinancing/refinance-tool"}},{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Let us call you","intro":"To schedule an appointment together","image":{"transformBaseUrl":"https://assets.ing.com/transform/3b5dd8ae-6d41-4c98-a368-4b7a284e1d04/Personal-details","type":"image","width":160,"altTextNL":"Personal details","original":"https://assets.ing.com/m/1db5b35052889ca/original/Personal-details.svg","extension":"svg"},"link":{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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>"}}]}}}