{"type":"document","data":{"id":"0626d071-d4c2-4d08-bc64-d9263448b6cd","localeString":"en-GB","publishDate":"2026-03-30T09:25:04.424+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"A linear mortgage with ING: Pay your mortgage off in full with gradually reducing monthly payments during your fixed-rate period"},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Mortgage repaid by the end of the term","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"The same amount is repaid every month","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"Monthly payments drop during the fixed-rate period","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"Possible tax benefit in case of tax relief on mortgage interest","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"Terms and conditions with a five-star MoneyView rating","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}},"secondaryCta":{"textLink":{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"}},"coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3e596242-81ad-4922-b863-14ed17923929/Young-man-wearing-orange-parka-in-front-of-old-orange-house","type":"image","width":3600,"original":"https://assets.ing.com/m/17f70d67ce7eae5/original/Young-man-wearing-orange-parka-in-front-of-old-orange-house.jpg","extension":"jpg"},"title":"Linear mortgage","subtitle":"Gradually reducing monthly payments during your fixed-rate period"},"backLink":{"textLink":{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage types"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is a linear mortgage?"},{"componentType":"paragraph","richBody":{"value":"

A linear mortgage is a mortgage that you pay off in full over the term. Your monthly payments are made up of interest and capital repayments. As you pay off the same amount every month over the term of your mortgage, you will gradually pay less in interest, provided that the mortgage rate stays the same. This means that your monthly payments will gradually decrease over the term.

"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/02bdabae-c353-4033-962e-8e9c6f7f548b/ING_Graph-Linear-term-monthly-mortgage-debt-payments-ENG","original":"https://assets.ing.com/m/77515582d388c26b/original/ING_Graph-Linear-term-monthly-mortgage-debt-payments-ENG.png","extension":"png"}},{"componentType":"sectionTitle","title":"Here’s how a linear mortgage works"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"Monthly payments before and after tax relief"},{"componentType":"paragraph","richBody":{"value":"

During the term of your linear 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. If the mortgage rate goes up or down when you choose a new fixed-rate period, for example, we will recalculate your monthly payments.

"}},{"componentType":"sectionTitle","title":"Tax relief on mortgage interest with a linear mortgage"},{"componentType":"paragraph","richBody":{"value":"

The current tax system allows holders of a linear mortgage to possibly deduct their mortgage interest from their taxable income.

"},"textLinks":[{"url":"/particulier/hypotheek/belasting","text":"Tax relief on mortgage interest with a linear mortgage (Dutch)"}]},{"componentType":"sectionTitle","title":"Terms and conditions with a five-star MoneyView rating"},{"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":[{"url":"/particulier/hypotheek/huis-kopen/waarom-een-hypotheek-bij-ing","text":"More about a mortgage with ING"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/74233b97-7329-4363-835f-256ccdcd06a2/MoneyView-2025-Lineaire-hypotheken","original":"https://assets.ing.com/m/10be47a010fe26f3/original/MoneyView-2025-Lineaire-hypotheken.png","extension":"png"}},{"componentType":"sectionTitle","title":"Advice for your personal situation"},{"componentType":"paragraph","richBody":{"value":"

Our mortgage advisers can answer all your questions and give you advice about which mortgage would be right for you.

"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-advice","text":"More about mortgage advice"},{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}]},{"componentType":"sectionTitle","title":"Is a linear mortgage right for you?"},{"componentType":"paragraph","richBody":{"value":"

A linear mortgage may be the right choice for you if you:

"}},{"componentType":"paragraph","richBody":{"value":"
What's the difference between a linear mortgage and an annuity mortgage? 
Linear mortgageAnnuity mortgage
  • You repay the same amount every month and pay interest
  • The interest gradually goes down and the capital repayments stay the same
  • Both before and after tax relief on mortgage interest, your mortgage outgoings will go down over the term, provided that the mortgage rate doesn’t change
  • Given that the amount you pay in interest goes down over the term, the amount you may be able to deduct from your income on your tax return will also go down 

  • You pay the same amount every month, consisting of interest and capital repayments (as long as the mortgage rate remains unchanged) 

  • The interest gradually goes down over the term and the capital repayments go up 

  • If you’re eligible for tax relief on mortgage interest, your mortgage outgoings after tax relief on mortgage interest will gradually increase as the tax benefit decreases 

Advantages:

  • Monthly payments go down over the term This is useful if you expect rising outgoings or a drop in income in the future
  • Peace of mind that your mortgage will have been repaid in full after 30 years
  • Rapid repayment of the loan
  • Over the full term of the mortgage, you will pay less in interest than you would with an interest-only or annuity loan 

Advantages:

  • Fixed monthly payments
  • Peace of mind that your mortgage will have been repaid in full after 30 years
  • Over the full term of the mortgage, you will pay less in interest than you would with an interest-only loan, but more than with a linear mortgage 

Disadvantages:

  • Mortgage payments are higher initially, both before and after tax relief on mortgage interest
  • The possible mortgage interest tax benefit reduces rapidly 

Disadvantages:

  • Rising mortgage outgoings after tax relief on mortgage interest 

 

"}},{"componentType":"paragraph","richBody":{"value":"

Difference in monthly payments on a linear mortgage and an annuity mortgage (assuming the mortgage rate doesn’t change)

"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/annuity-mortgage","text":"More about annuity mortgages"}],"alignedImage":{"position":"top","transformBaseUrl":"https://assets.ing.com/transform/9fd73529-6904-4f8e-b762-980c6d2248c6/ING_graph-gross-monthly-costs-linear-vs-annuity-ENG","original":"https://assets.ing.com/m/170da3a65859610d/original/ING_graph-gross-monthly-costs-linear-vs-annuity-ENG.png","extension":"png"}},{"componentType":"sectionTitle","title":"More peace of mind on your monthly payments"},{"componentType":"paragraph","richBody":{"value":"

You get to choose a fixed-rate period yourself. As long as the mortgage rate remains unchanged, your monthly payments will gradually go down. Choosing a long fixed-rate period will give you more peace of mind on your monthly payments. If you go for the maximum fixed-rate period of 20 years, the mortgage rate will stay the same for 20 years.

"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Check out the current mortgage rates by fixed-rate period"}]},{"componentType":"sectionTitle","title":"Advice for your personal situation"},{"componentType":"paragraph","richBody":{"value":"

If you’d like personal advice, our mortgage advisers can answer all your questions and give you advice about which mortgage would be right for you. To make an appointment, call +31 (0)20 22 888 88. We would be happy to help you on weekdays from 8am to 9pm and on Saturdays from 9am to 5pm.

"},"textLinks":[{"url":"https://www.ing.nl/en/personal/mortgage/contact/cmnl-english?subscrid=cmnl-mort-engelstalig","text":"Make an appointment with an ING mortgage adviser"}]},{"componentType":"sectionTitle","title":"Mortgage advisory fees"},{"componentType":"paragraph","richBody":{"value":"

Mortgage advice is subject to advisory fees, which are charged at a fixed rate. You can always choose to have a no-obligation exploratory consultation with an ING mortgage adviser.

"}},{"componentType":"sectionTitle","title":"Fees when taking out a linear 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":[{"url":"/en/personal/mortgage/advisory-fees","text":"More about advisory fees"},{"url":"/particulier/hypotheek/kosten-koper","text":"More about one-off fees and monthly charges (Dutch)"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Check the current interest rates"}]},{"componentType":"sectionTitle","title":"Terms and conditions"},{"componentType":"paragraph","richBody":{"value":"

When you decide to take out a linear 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 questions about our linear mortgage, please feel free to contact us. We’ll be happy to help.

"},"textLinks":[{"url":"/particulier/hypotheek/contact/basisinformatie-en-algemene-voorwaarden","text":"Read the mortgage terms and conditions"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What are the differences compared to an interest-only mortgage?","richBody":{"value":""}},{"title":"Can I make additional repayments on a linear mortgage?","richBody":{"value":"

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.

Check out your repayment options.

 

"}},{"title":"Can I deduct the mortgage interest from my income on my tax return?","richBody":{"value":"

Yes, the current tax system gives you tax relief on mortgage interest, provided you meet certain conditions.

More about tax relief on mortgage interest (Dutch).

 

"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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.

"}}]}}}