If you continue your existing ING mortgage without making any changes, nothing will change.
When extending the mortgage (including an interim extension), the rule ‘what you already have, you may keep’ applies to the interest-only portion, up to a maximum of 50% of the property value.
If you convert your mortgage type to an interest-only mortgage, the interest-only part will be limited to 30% of the property value, with a maximum amount depending on the property value.
"}},{"componentType":"sectionTitle","title":"New mortgages and increases"},{"componentType":"paragraph","richBody":{"value":"The new rules apply to a new mortgage, an increase of an existing mortgage, second mortgages, or conversion to an interest-only mortgage. In these situations, the interest-only part is limited to 30% of the property value, with a maximum amount depending on the property value. This maximum amount increases with a higher property value, as shown in the table below.
Property value | Maximum interest-only amount |
Till €1,000,000 | €150,000 |
From €1,000,000 | €250,000 |
From €2,000,000 | €500,000 |
When determining the interest-only part, the following mortgage types are included as interest-only: Interest-only mortgage, Investment mortgage, Credit mortgage, Endowment mortgage, Maatwerk mortgage, Meerwaarde mortgage, Funds mix (including the additional borrowing variants).
"}},{"componentType":"sectionTitle","title":"Why are the rules for interest-only mortgages changing?"},{"componentType":"paragraph","richBody":{"value":"With this change, ING aims to better prepare customers for the future and contribute to responsible, affordable home financing. ING periodically contacts customers with an interest-only mortgage to map out their future situation.
"}},{"body":"Do you have an interest-only mortgage? Then it is important to have insight into your financial situation. During the term, your mortgage debt remains the same, and on the end date you repay the full amount in one go. With the Mortgage Check, you gain insight into your options and your financial position, now and in the future. You can start the Mortgage Check at any time.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3.svg","transformBaseUrl":"https://assets.ing.com/transform/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3","type":"image","width":64},"textLink":{"text":"Go to the Mortgage Check","url":"/en/personal/mortgage/your-mortgage/mortgagecheck"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"The adjusted rules apply to a new mortgage, an increase, or a conversion to an interest-only mortgage type. These rules also apply to second mortgages.
If you continue or extend your existing interest-only mortgage without making any changes (interim or at the end of the term), nothing will change. When extending, the principle applies: what you have, you may keep. The interest-only part may be continued, with a maximum of 50% of the property value, as in force since 1 June 2023.
"},"title":"When do the new rules apply?"},{"richBody":{"value":"When determining the interest-only part, the following mortgage types are included as interest-only: Interest-only mortgage, Investment mortgage, Credit mortgage, Endowment mortgage, Maatwerk mortgage, Meerwaarde mortgage, Funds mix (including the additional borrowing variants)
"},"title":"How is the interest-only part determined?"},{"richBody":{"value":"In the event of divorce or death, the existing interest-only part can usually be retained. For a new or increased interest-only part, however, the new rules apply: a maximum of 30% of the property value and the applicable maximum amount.
You can always contact an ING adviser or your independent adviser.
"},"title":"How does this work in the case of divorce or death?"},{"richBody":{"value":"The end of your fixed-rate period and choosing a new interest rate has no impact on the maximum interest-only part of your mortgage.
The adjusted rules apply to a new mortgage, an increase, or a conversion to an interest-only mortgage type.
"},"title":"What happens when my fixed-rate period ends?"},{"richBody":{"value":"By property value, we mean the current market value as shown in a valuation report. Read more about property valuation on this page.
"},"title":"What is meant by property value?"},{"richBody":{"value":"With a larger annuity or linear loan part, your monthly payments are usually higher than with an interest-only mortgage. At the same time, monthly repayments ensure that your debt gradually decreases, making you more financially resilient in the event of retirement or a drop in income.
The total costs of an interest-only mortgage, under equal conditions and with the same term, are significantly higher than the total costs of mortgage types where you do repay during the term.
We provide an example:
For an amount of €100,000, with an interest rate of 5% and a term of 30 years:
Do you have a property in mind, and would you like to speak with an adviser about what this means for you? Make an appointment.
Prefer to speak with an independent adviser? That is, of course, also possible. ING works together with over 2,700 independent advisers.
Do you already have an ING mortgage, and would you like to discuss this?
Contact ING Customer Services | Retail customers.
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","url":"/en/personal/mortgage"}},"componentType":"campaignHeader","coreHeader":{"body":"From 23 July 2026, ING will adjust its acceptance policy for interest-only mortgages. The key change: for new mortgages, the interest-only part will be limited to a maximum of 30% of the property value, with a maximum amount depending on the property value. \r\n\r\nWith this change, ING aims to better prepare customers for the future and ensure responsible, affordable home financing.","campaignTitle":{"primaryTitle":"New rules","secondaryTitle":"for interest-only mortgages"},"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/7280e86a-a022-4da5-a843-3ed1f151a0f6/Young-family-cooking-in-the-kitchen.jpg","transformBaseUrl":"https://assets.ing.com/transform/7280e86a-a022-4da5-a843-3ed1f151a0f6/Young-family-cooking-in-the-kitchen","type":"image","width":5218},"subtitle":"What does this mean?"}},"publishDate":"2026-05-28T10:05:00.232+02:00"}}