An annuity mortgage is a mortgage that you pay off in full over the term. Your monthly mortgage payments are fixed payments made up of interest and capital repayments. The ratio of interest to capital repayment changes over the term, as the interest gradually goes down and the capital repayments gradually go up. As a result, the actual payment to the bank will stay the same throughout the term. However, since the interest goes down, you will have gradually less interest to deduct from your income on your tax return, causing your mortgage outgoings after tax relief to go up over the term, assuming the mortgage rate doesn’t change.
"}},{"componentType":"sectionTitle","title":"Here’s how an annuity mortgage works"},{"componentType":"paragraph","richBody":{"value":"During the term of your annuity mortgage, you will be paying ING fixed monthly payments. If you qualify for tax relief on mortgage interest, you will get some of the interest you paid back from the Dutch Tax Administration. If you deduct this tax benefit from your monthly payments to ING, you get your net mortgage outgoings.
"}},{"componentType":"sectionTitle","title":"Your net mortgage outgoings will go up over the term"},{"componentType":"paragraph","richBody":{"value":"Your monthly payments before tax relief are fixed, providing the mortgage rate doesn’t change, and are made up of interest and capital repayments. The ratio of interest to capital repayment in your monthly payments changes over the term, as the interest gradually goes down and the capital repayments gradually go up. However, since the interest goes down, you will have gradually less interest to deduct from your income on your tax return, causing your net mortgage outgoings to go up over the term, assuming the mortgage rate doesn’t change.
"}},{"componentType":"sectionTitle","title":"Tax relief on mortgage interest with an annuity mortgage"},{"componentType":"paragraph","richBody":{"value":"The current tax system possibly allows holders of an annuity mortgage to deduct their mortgage interest from their taxable income.
"},"textLinks":[{"text":"Find out more about tax relief on mortgage interest","url":"/particulier/hypotheek/actuele-hypotheekrente/hypotheekrenteaftrek"}]},{"componentType":"sectionTitle","title":"Terms and conditions with a five-star MoneyView rating"},{"alignedImage":{"position":"right","extension":"png","original":"https://assets.ing.com/m/38bcd0b0ac1efa1e/original/MoneyView-2025-Annuiteiten-hypotheken.png","transformBaseUrl":"https://assets.ing.com/transform/b11f4f5c-a554-4d94-9839-8897d2e39594/MoneyView-2025-Annuiteiten-hypotheken"},"componentType":"paragraph","richBody":{"value":"Independent research firm MoneyView has given the terms and conditions of our ING mortgages its maximum five-star rating! This puts ING's annuity, linear and interest-only mortgages in the top 3 of over 50 mortgages. At ING, you get excellent terms and conditions, both when taking out the mortgage and during the entire mortgage term.
"},"textLinks":[{"text":"More about a mortgage with ING","url":"/particulier/hypotheek/huis-kopen/waarom-een-hypotheek-bij-ing"}]},{"componentType":"sectionTitle","title":"Calculate an annuity mortgage"},{"componentType":"paragraph","richBody":{"value":"The mortgage calculator lets you calculate the maximum amount you can borrow on an annuity mortgage. The calculator is based on an annuity mortgage as standard. Do note, however, that the maximum amount you can borrow and the additional costs in your specific case depend on multiple factors.
"}},{"componentType":"sectionTitle","title":"Additional repayments on an annuity mortgage"},{"componentType":"paragraph","richBody":{"value":"You can make an additional repayment of up to 10% of the original principal of the relevant loan part every year without having to pay an early repayment charge.
Our mortgage advisers can answer all your questions and give you advice about which mortgage would be right for you.
An annuity mortgage may be the right choice for you if you:
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Advantages:
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Disadvantages:
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Difference in monthly payments on an annuity mortgage and a linear mortgage (assuming the mortgage rate doesn’t change)
"},"textLinks":[{"text":"More about linear mortgages","url":"/en/personal/mortgage/mortgage-types/linear-mortgage"}]},{"componentType":"sectionTitle","title":"More peace of mind on your monthly payments"},{"componentType":"paragraph","richBody":{"value":"You get to choose a fixed-rate period yourself. So, for more peace of mind on your monthly payments, simply choose a long fixed-rate period. If you go for the maximum fixed-rate period of 20 years, for example, your monthly payments will not change for 20 years.
If you’d like personal advice, an ING mortgage adviser will be happy to answer all your questions and give you advice on which mortgage would be right for you. Click the button below to contact us free of charge. We would be happy to help you on weekdays from 8am to 9pm and on Saturdays from 9am to 5pm.
Mortgage advice is subject to advisory fees, whicgh are charged at a fixed rate. You can always choose to have a free exploratory consultation with an ING mortgage adviser.
"}},{"componentType":"sectionTitle","title":"Fees when taking out an annuity mortgage"},{"componentType":"paragraph","richBody":{"value":"Mortgage advice is subject to advisory fees, which are charged at a flat rate. You can always choose to have a no-obligation exploratory consultation with an ING mortgage adviser. Additionally, make sure you bear in mind the notary fees, appraisal costs and possible other charges.
"},"textLinks":[{"text":"More about advisory fees","url":"/en/personal/mortgage/mortgage-advice"},{"text":"More about one-off fees and monthly charges (Dutch)","url":"/particulier/hypotheek/kosten-koper"},{"text":"Check the current interest rates","url":"/en/personal/mortgage/current-mortgage-rates"}]},{"componentType":"sectionTitle","title":"Terms and conditions"},{"componentType":"paragraph","richBody":{"value":"When you decide to take out an annuity mortgage, it’s important to know exactly what to expect. This is where the terms and conditions below come in, as they explain things such as when exactly your mortgage payments will be debited. If you have any further questions about our annuity mortgage, please feel free to contact us. We’ll be happy to help.
Yes, you can. You can make an additional repayment of up to 10% of the original principal of the relevant loan part every year without having to pay an early repayment charge.
"},"title":"Can I make additional repayments on an annuity mortgage?"},{"richBody":{"value":"Yes, the current tax system gives you tax relief on mortgage interest, provided you meet certain conditions.
"},"textLinks":[{"text":"More about tax relief on mortgage interest (Dutch)","url":"/particulier/hypotheek/actuele-hypotheekrente/hypotheekrenteaftrek"}],"title":"Can I deduct the mortgage interest from my income on my tax return?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"c17423d1-ad39-41e9-b359-84375956ad5f","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"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.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage types","url":"/en/personal/mortgage/mortgage-types"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/33f5c3ea2c2fe1ad/original/Man-playing-ping-pong-outside-on-a-sunny-day.jpg","transformBaseUrl":"https://assets.ing.com/transform/572cdbc0-95b7-45f1-b560-497a9901ad17/Man-playing-ping-pong-outside-on-a-sunny-day","type":"image","width":4914},"subtitle":"Gradually increasing capital repayments","title":"Annuity mortgage"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/personal/mortgage/contact"}},"secondaryCta":{"textLink":{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"}},"usps":[{"body":"Mortgage repaid by the end of the term","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Monthly payments are made up of interest and repayment","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Fixed monthly payments during the fixed-rate period","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Rising mortgage outgoings after tax relief on mortgage interest","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Terms and conditions with a five-star MoneyView rating","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}}]},"publishDate":"2026-03-30T09:25:06.972+02:00"}}