{"type":"document","data":{"id":"6c54356d-4c6a-451d-a7c4-f95a964ba11b","localeString":"en-GB","publishDate":"2026-03-09T15:02:31.901+01:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Buying a new-build house? Take a look at ING’s new-build mortgage and plan a free exploratory consultation."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/personal/mortgage","text":"Mortgage"}},"coreHeader":{"title":"New build: mortgage with ING","subtitle":"If you want instant clarity on your new build options, or want to find out what buying a new build entails, we’ll be happy to help you get started."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Information about a new build mortgage"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How it works","intro":"A quick run-down of the main features of a new build mortgage","image":{"transformBaseUrl":"https://assets.ing.com/transform/4be77c05-9f35-474b-ac2f-f7641ce141b1/icon_mortgage_7","type":"image","width":96,"original":"https://assets.ing.com/m/3b0c54bc48229571/original/icon_mortgage_7.png","extension":"png"},"link":{"url":"/en/personal/mortgage/mortgage-types/newbuild-mortgage"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Energy label and your mortgage rate","intro":"Your home’s energy label is one of the factors determining your mortgage rate.","image":{"transformBaseUrl":"https://assets.ing.com/transform/1717c6f7-7900-4b31-a24c-4125d49589e8/Duurzaam-wonen","type":"image","width":160,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/6ee35579537f1512/original/Duurzaam-wonen.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Orientation certificate","intro":"Find out why to include this certificate with your registration for a new build project.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a479b148-718c-4272-9d2d-b70b4d03dcea/icon-mail","type":"image","width":288,"original":"https://assets.ing.com/m/406e3c5be6b14f52/original/icon-mail.png","extension":"png"},"link":{"url":"/en/personal/mortgage/contact/orientation-certificate"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"New build or …?","intro":"Check the differences compared to existing properties in three steps.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2b544d56-b0ee-4464-a712-a1ac9592b84b/houseforsalenopadding","type":"image","width":128,"original":"https://assets.ing.com/m/630abdeebc81cbcf/original/houseforsalenopadding.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/buying-a-house/newbuild-or-existing-property"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Already have a mortgage with ING?","intro":"Everything you need in one summary: from transferring your interest rate to payments from your building fund account.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e2724082-2501-4098-b679-a6c030f06703/2-RichIcons-Buildings-Loans-01","type":"image","width":160,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/11b35d1ec5a14886/original/2-RichIcons-Buildings-Loans-01.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/your-mortgage"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Current mortgage rates","intro":"Take a look at the fees and discounts for all mortgage types, including the Dutch National Mortgage Guarantee (NHG)","image":{"transformBaseUrl":"https://assets.ing.com/transform/bee941ee-4a51-43e1-b7c7-8ba7198c961e/housewithgreennopadding","type":"image","width":0,"original":"https://assets.ing.com/m/66161b373bf31d6c/original/housewithgreennopadding.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/current-mortgage-rates"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions about new build mortgages"},{"componentType":"accordion","accordionList":[{"title":"How does financing a new build house work?","richBody":{"value":"<p><span><span><span>With <a data-type=\"internal\" href=\"/en/personal/mortgage\">a mortgage</a> for a new build, the amount you borrow will be put into a building fund account. This is basically a separate account that we manage.</span></span></span></p><p><span><span><span>After that, the financing of your new-build home goes as follows:</span></span></span></p><ul><li><span><span><span><span>You pay the land and construction costs in instalments from your building fund account.</span></span></span></span></li><li><span><span><span><span>You will be charged interest only on funds you have drawn down from your building fund account.</span></span></span></span></li><li><span><span><span><span>You will not pay interest on funds you have not yet drawn down.</span></span></span></span></li><li><span><span><span><span>After you’ve signed the mortgage deed at the notary’s office, monthly repayments on your mortgage will start right away.</span></span></span></span></li><li><span><span><span><span>You can use your building fund account for two years from the date you signed the mortgage deed. </span></span></span></span><span><span><span><span>If there are any funds left in the account after that time, we will automatically put these remaining funds towards paying off your mortgage.</span></span></span></span></li></ul>"}},{"title":"How much can I borrow on a mortgage for a new build house?","richBody":{"value":"<p><span><span><span>The price of a new build property is fixed, meaning that there will not be any negotiations. There are often more interested buyers than properties in a new-build project.</span></span></span></p><p>If that’s the case, you’ll find out through a draw whether you’ve been allocated one of the properties. In the meantime, you’ll have time to explore how much you can borrow. Here are a few tips:</p><ul><li><span><span><span><span><a data-type=\"internal\" href=\"/en/personal/mortgage/newbuild/calculate-newbuild-mortgage\"><strong>Calculate</strong> the maximum amount</a> you can borrow (indication). Useful: you can save the results of your calculations on My ING or in the ING app.</span></span></span></span></li><li><span><span><span><span>Get a clearer picture with a <strong>free exploratory mortgage consultation</strong>. If you still have questions after speaking to an adviser for an hour, feel free to give us a call.</span></span></span></span></li></ul>"}},{"title":"What you can include in a new build mortgage","richBody":{"value":"<p><span><span><span>We will let you fully include costs for additional work for your new build in your mortgage.</span></span></span></p><p><span><span><span>By additional work we mean anything you have built in or on your new-build property that was not included in the original plan. This can range from building an extension or dormer window to moving a wall socket. If you have opted for shell-only construction, having a kitchen and bathroom installed is also considered additional work.</span></span></span></p>"}},{"title":"When you will start repaying your new build mortgage","richBody":{"value":"<p><span><span><span>Your mortgage payments for a new build are made up of interest and capital repayments. Note the following:</span></span></span></p><ul><li><span><span><span><span>As soon as you’ve signed your mortgage deed before a notary, you will immediately start paying off your mortgage every month as we start to debit your monthly payments.</span></span></span></span></li><li><span><span><span><span>We will put the amount you borrow on the mortgage with us into a building fund account. This is basically a separate account that we manage. You use the funds in your building fund account to pay for the land and make the construction payments.</span></span></span></span></li><li><span><span><span><span>You will be charged interest only on funds you have drawn down from your building fund account. This means that, as you draw down more, your monthly payments will go up.</span></span></span></span></li></ul><p><span><span><span>Important to note: you can use your building fund account for 2 years. If you haven’t spent it all, we will automatically put any remaining funds towards paying off your mortgage. This may bring down your monthly payments.</span></span></span></p>"}},{"title":"Paying for two homes at the same time?","richBody":{"value":"<p><span><span><span>If you are still paying a mortgage or rent on your current home while your new home is being built, you will basically be paying for two homes at the same time.</span></span></span></p><p><span><span><span>Bear in mind:</span></span></span></p><ul><li><span><span><span><span>With a new-build mortgage, we will put the amount you borrow into a building fund account. This is basically a separate account that we manage.</span></span></span></span></li><li><span><span><span><span>You pay the land and construction costs in instalments from your building fund account.</span></span></span></span></li><li><span><span><span><span>You will be charged interest only on funds you have drawn down from your building fund account.</span></span></span></span></li><li><span><span><span><span>You will not pay interest on funds you have not yet drawn down.</span></span></span></span></li><li><span><span><span><span>After you’ve signed the mortgage deed at the notary’s office, monthly repayments on your mortgage will start right away.</span></span></span></span></li></ul>"}},{"title":"How much of your own money will you need for a new-build home?","richBody":{"value":"<p><span><span><span>How much readily available funds you need to buy a new-build property depends on various factors:</span></span></span></p><ul><li><span><span><span><span>The purchase price (this is fixed for properties in a new build development, which means no bidding wars and no negotiations).</span></span></span></span></li><li><span><span><span><span>How much you can borrow, i.e. your maximum mortgage.</span></span></span></span></li><li><span><span><span><span>Whether you have <a href=\"https://www.ing.nl/particulier/hypotheek/huis-kopen/overwaarde-gebruiken\">equity </a>on your current home and how much of it you use for your new-build property.</span></span></span></span></li></ul><p><span><span><span>Additionally, buying a new build involves fewer one-off costs than buying an existing property. You will generally be required to pay the one-off costs from your savings or other funds you have available. On the upside:</span></span></span></p><ul><li><span><span><span><span>The costs of registering a new-build property are <a data-type=\"internal\" href=\"/particulier/hypotheek/kosten-koper/vrij-op-naam\">paid by the seller</a>, meaning that you will not have to pay <a data-type=\"internal\" href=\"/en/personal/mortgage/buyers-costs/transfer-tax\">transfer tax</a>.</span></span></span></span></li><li><span><span><span><span>You won’t need a buying agent for a new build.</span></span></span></span></li><li><span><span><span><span>You generally won’t need an independent surveyor for a new build.</span></span></span></span></li></ul>"}}]},{"componentType":"sectionTitle","title":"Why take out a new build mortgage with ING?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Our new build mortgage will help you move forward, not only when taking out the mortgage, but also during the entire mortgage term. </span></span></span></p>"}},{"componentType":"productFeatures","highlighted":false,"items":[{"title":"Attractive mortgage rate"},{"title":"Terms and conditions with a five-star MoneyView rating"},{"title":"Fully include costs for additional work in the mortgage"},{"title":"Extra-long mortgage offer validity"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"New build projects","intro":"We work closely with numerous (new build) projects across the Netherlands. \r\nExplore new build projects in your area. Who knows, there might be one you like.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a81fd460-f747-44dc-9ea0-9af3d0b960e3/Sector-update-public-januari-2024","type":"image","width":2731,"original":"https://assets.ing.com/m/40ca539e5d4646f/original/Sector-update-public-januari-2024.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/newbuild/newbuild-projects"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Your personal step-by-step guide","intro":"Take your own path to your new-build home with useful tips and tools.","image":{"transformBaseUrl":"https://assets.ing.com/transform/90bec520-548f-4f12-ab29-e78faa51718e/Construction-site-crane-and-Blueprints","type":"image","width":799,"original":"https://assets.ing.com/m/35a37fa7acbcaebc/original/Construction-site-crane-and-Blueprints.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/newbuild/newbuild-step-by-step"}}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Calculate your mortgage","intro":"Easily find out how much you can borrow for a new build home with us.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6746e785-7baf-49ab-bd17-45003a1180d9/A-woman-laughs-as-she-stands-in-front-of-the-door-holding-a-giant-key-to-her-new-home","type":"image","width":1920,"original":"https://assets.ing.com/m/28d1fe5c548bf64b/original/A-woman-laughs-as-she-stands-in-front-of-the-door-holding-a-giant-key-to-her-new-home.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/newbuild/calculate-newbuild-mortgage"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Schedule a consultation with one of our new build specialists.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6649f1df-93b4-43a6-9ea9-80b8866b61da/about_investors_woman","type":"image","width":1920,"altTextEN":"Banner to Investor information","altTextNL":"Banner to Investor information","altTextFR":"Banner to Investor information","altTextDE":"Banner to Investor information","original":"https://assets.ing.com/m/458d774b6549ecb7/original/about_investors_woman.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/contact"}}]}]},"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>"}}]}}}