Contrary to an existing property, a new build is yet to be built. The amount borrowed on the mortgage will therefore be put into a building fund account. This is basically a separate account that we manage.
As soon as this account has been set up, the mortgage for your new build works as follows:
Orientation certificate when registering for a new-build project
This certificate shows how much you can borrow, provided certain conditions are met. It will be issued after your free exploratory mortgage consultation and may benefit you when registering for a new build project.
Cancel your offer free of charge if the new-build project falls through
If you’ve already signed your mortgage offer, and the new-build project is suddenly called off, you will not be charged a cancellation fee.
Your mortgage offer is valid for longer
It often takes a while for building to start on a new build project. Don’t worry, the interest rate stated in your offer will stand for 12.5 months. And you can extend this to 24.5 months.
Fully include costs for additional work in the mortgage
From an extension and additional wall sockets to a kitchen and bathroom in case of a shell-only build, you will not have to pay for additional work using your own money.
A better energy label may entitle you to a lower mortgage rate
Nearly all new builds are energy-efficient properties. With a better energy label, you may be able to get a lower mortgage rate. That’s a nice bonus!
Nearly all new builds are built to be energy-efficient. This will allow you to save on your energy bills. And… you may be able to borrow more with us.
"},"textLinks":[{"text":"Find out how it works","url":"/en/personal/mortgage/mortgage-types/buying-a-sustainable-house"}]},{"componentType":"sectionTitle","title":"Act immediately"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"png","original":"https://assets.ing.com/m/6b46c3b074c12486/original/Mortgages-advisor-appointment.png","transformBaseUrl":"https://assets.ing.com/transform/f264ac3f-316e-4808-afb7-1bf2fac36152/Mortgages-advisor-appointment","type":"image","width":2500},"intro":"Schedule a no-obligation consultation with one of our new-build specialists","link":{"url":"/en/personal/mortgage/contact"},"title":"Make an appointment"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3357dc5ec65ec03c/original/Woman-man-formal-building-construction-scene.svg","transformBaseUrl":"https://assets.ing.com/transform/ffd85705-1fbb-4af6-8250-55ff3e28de85/Woman-man-formal-building-construction-scene","type":"image","width":1200},"intro":"Find out who we work with and explore new-build properties in your area","link":{"url":"/particulier/hypotheek/nieuwbouw/nieuwbouwprojecten"},"title":"New build projects"}],"componentType":"cards"}]},"hasMacro":false,"id":"3f1c975a-2ee4-4b60-bf1d-e81d7bc1a92c","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":{"body":"If you’ve been successful in the draw for a new-build property, or you’re having a house built yourself, you want to get the financing right. We’ll be happy to explain how an ING mortgage for a new build works.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/2f6f192fe41e8b86/original/A-woman-holds-a-colorful-kite-in-the-air-with-her-hand-in-the-garden.jpg","transformBaseUrl":"https://assets.ing.com/transform/213ac611-b6b4-4391-83bb-810acbc41b78/A-woman-holds-a-colorful-kite-in-the-air-with-her-hand-in-the-garden","type":"image","width":8192},"subtitle":"How it works","title":"New build mortgage"},"cta":{"componentType":"cta","textLink":{"text":"Discuss your options","url":"/en/personal/mortgage/contact"}},"secondaryCta":{"textLink":{"text":"How much can you borrow for a new build?","url":"/en/personal/mortgage/newbuild/calculate-newbuild-mortgage"}},"usps":[{"body":"You’re not committing to anything yet","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":"Plenty of opportunity to ask questions","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":"Free orientation certificate","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":"2026-03-27T00:05:38.886+01:00"}}