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"}},{"componentType":"sectionTitle","title":"New build & mortgage: arranged in 5 steps"},{"componentType":"paragraph","richBody":{"value":"Whether you’re still renting or planning to sell your home (with equity), there’s a lot to deal with when buying a new-build property.
What steps can you expect?
"}},{"accordionList":[{"richBody":{"value":"It all starts with your housing preferences. Here are a few tips:
If you’ve chosen a new build, what’s great is that you won’t have to put in an offer. It’s simply a matter of registering for a new build project. We recommend you submit your orientation certificate along with your registration.
If there are more interested buyers than properties, there will be a draw. If you’re selected in that draw, you decide whether you want to go ahead with the purchase. Going ahead with the purchase means that you sign the purchase and construction agreement. The next step after that is to schedule a personal mortgage consultation with us.
"},"title":"2. Registering for a new build project"},{"richBody":{"value":"In a nutshell, your personal consultation comes down to this:
Tip: the advisory fees we charge are tax deductible. You will only be charged those fees once you have signed a consultation agreement.
"},"title":"3. Advice"},{"richBody":{"value":"Nearly done:
With your mortgage done and dusted, the next step is to sign the mortgage and transfer deed before a notary (also referred to as ‘formal execution of your mortgage’). You can choose the notary yourself and we will send them everything they need to formalise the deal.
After that, you should bear the following in mind:
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.
When that happens, you will find out after a draw if you have been allocated one of the properties. This will give you some time to find out how much you can borrow. Here are a few tips:
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.
The above new build mortgage calculation tool does not ask about any rent or other mortgage you might still be paying, so it’s a good idea to bear the following in mind:
In the above calculator, we use the mortgage rate that goes with an annuity mortgage with a term of 30 years, a 10-year fixed-rate period and the active current account discount.
"},"title":"What interest rate does the online mortgage calculator use?"},{"richBody":{"value":"Here’s what our online mortgage calculator does: if your maximum mortgage is €470,000 or lower, the calculation uses the interest rate we use for the Dutch National Mortgage Guarantee.
"},"title":"What if I want to add the Dutch National Mortgage Guarantee (NHG) to my new build mortgage?"},{"richBody":{"value":"If you want a chance to land a new-build property, you need to know your financial possibilities in advance. It's not just about how much you can borrow, but also about how much you can afford to pay each month. Luckily, you can easily calculate it yourself.
"},"title":"How much will the monthly payments be for my new build mortgage?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"e7b7a3dc-38fe-4fa4-83bb-e965b1d41edb","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":"New build: mortgage with ING","url":"/en/personal/mortgage/newbuild"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Were you successful in the draw for a new build property or intend to register for a new build project? Do the simple calculation to find out how much you can borrow with us.","title":"New build: calculate your mortgage"}},"publishDate":"2026-03-31T15:32:00.220+02:00"}}