In a free introductory meeting, you and a mortgage advisor discuss your financial options and everything involved in the new‑build process.
This way, you’re fully prepared to take the step toward registration. And with us, you’re under no obligation yet.
"}},{"componentType":"accordion","accordionList":[{"title":"What to do about double housing costs?","richBody":{"value":"Has your current home been sold with surplus value? Or do you expect surplus value when selling? Then a bridging mortgage can give you financial breathing space during the transition period.
"}},{"title":"How a mortgage works when buying a new‑build home","richBody":{"value":"In a free introductory meeting, a mortgage advisor can explain exactly how a mortgage works for new‑build homes. For example, you’ll work with a construction deposit, which you use to pay for the land and the building stages.
After this meeting, you can register for a new‑build project with confidence. And if you still have questions afterwards? Just call your mortgage advisor.
"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/newbuild-mortgage","text":"All about mortgages for new‑build homes"}]}]},{"componentType":"sectionTitle","title":"Step 2 – Registration and allocation"},{"componentType":"paragraph","richBody":{"value":"You’ve found a great new‑build project. To have a chance, you don’t need to place a bid. For new‑build homes, you register instead. You can almost always do this through the project’s website.
"}},{"componentType":"accordion","accordionList":[{"title":"What to include with your registration","richBody":{"value":"Many project developers already want a clear indication of whether you can afford the home when you register. For this, you can use the orientation certificate, which shows (under certain conditions) how much you can borrow.
Your mortgage advisor will be happy to prepare one for you during your free introductory meeting. And again: you’re under no obligation yet.
"}},{"title":"Tip: Keep your options open","richBody":{"value":"Feel free to register for multiple new‑build projects. Registering doesn’t commit you to anything.
"}},{"title":"About the allocation process (and what to do if you have doubts)","richBody":{"value":"Have you been offered a new‑build home after the lottery? If so, the project developer will walk you through all the ins and outs: details about the property, the final price, the construction schedule, and any optional upgrades (such as an extra toilet or a more luxurious bathroom).
After this, you’ll have a few weeks to decide whether you want to go ahead with the purchase. Good to know:
ou’ve carefully reviewed everything (together with us) and made your decision. You’re going for it.
To become the owner of the new‑build home, you sign the purchase and construction agreement. After signing, you legally have a 3‑day cooling‑off period during which you may withdraw from the purchase without giving a reason. If you’re not yet certain whether your mortgage will be approved, you can include a financing contingency in the contract.
If you decide not to go through with the purchase after the 3‑day cooling‑off period and you can’t rely on the contingency clause, you will usually have to pay 10% of the purchase price: the deposit. Since you likely won’t have that amount readily available, you’ll need a bank guarantee from your mortgage lender. This does come with a cost: roughly 1% of the guarantee amount.
"}},{"componentType":"accordion","accordionList":[{"title":"How it truly becomes your home","richBody":{"value":"Before you sign, you’ll have finalized your additional housing wishes with the project developer — from different taps to an extra floor. Of course, only the options that are possible and that you actually want.
"}},{"title":"How to ensure you don’t overlook anything in the agreement","richBody":{"value":"Would you like us to take a look at the purchase and construction agreement with you? Feel free to call your mortgage advisor or plan an appointment so you can be sure it aligns with your financial possibilities.
"}},{"title":"Tip: Protect yourself against setbacks","richBody":{"value":"With the ING Legal Expenses Insurance you receive legal support if agreements are not upheld. Check which coverage you need. Keep in mind that conflicts that already existed before you took out the insurance are not covered.
"}}]},{"componentType":"sectionTitle","title":"Step 4 – Mortgage advice: your personal consultation"},{"componentType":"paragraph","richBody":{"value":"Now we really dive deeper. Based on your financial details and personal preferences, we advise you on which mortgage types best fit your current and future situation. Read more about it here
"}},{"componentType":"accordion","accordionList":[{"title":"Your energy label and your mortgage interest rate","richBody":{"value":"New‑build homes usually have an A‑class energy label and that’s great news. Your home’s energy label influences your mortgage interest rate. We believe it’s important that you can live energy‑efficiently, future‑proof and comfortably, and we encourage this by offering a lower rate. Read more here.
"}},{"title":"Energy label and what you can borrow","richBody":{"value":"The more energy‑efficient a home is, the more you’re allowed to borrow to buy it. Since 2024, the maximum mortgage amount depends on the home’s energy label. This can increase your borrowing capacity by up to €50,000 for an A++++ label.
"}}]},{"componentType":"sectionTitle","title":"Step 5 – Signing the mortgage offer"},{"componentType":"paragraph","richBody":{"value":"You’ve already discussed all your wishes during the advisory meeting. If our checks show that you can afford the mortgage amount, you’ll receive a mortgage offer that includes all the details.
After that, we review it. Once everything is fully approved, we finalize the process and send it to your notary
"}},{"componentType":"accordion","accordionList":[{"title":"About the validity period and possible extension","richBody":{"value":"We’ll provide you with a mortgage offer that is valid for 12.5 months. You can extend this to 24.5 months. That flexibility is helpful, since construction often only starts once, for example, 70% of the homes in a project have been sold. This can take a while.
"}},{"title":"What if the project doesn’t go ahead?","richBody":{"value":"Sometimes construction unfortunately doesn’t go ahead. In that case, you won’t pay any cancellation fees with us
"}}]},{"componentType":"sectionTitle","title":"Step 6 – To the notary"},{"componentType":"paragraph","richBody":{"value":"The project developer will let you know when construction is scheduled to begin. Before this date, you must ensure that the transfer deed and the mortgage deed have been executed by your notary.
We can help you with this.
"},"textLinks":[{"url":"/en/personal/mortgage/notary-service","text":"Bekijk de Notarisservice"}]},{"componentType":"sectionTitle","title":"Step 7 – Building phase"},{"componentType":"paragraph","richBody":{"value":"During construction, you’ll receive invoices for each building stage. With each stage, something tangible is usually completed. For example, the first floor.
"}},{"componentType":"accordion","accordionList":[{"title":"How to handle the payments","richBody":{"value":"ou submit each invoice to us digitally. We pay the contractor from your construction deposit.
There are often fixed viewing days where you can come by to see the progress with your own eyes.
Good to know: with us, you only pay interest on the amount that has actually been withdrawn from your construction deposit.
"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/building-fund-account","text":"Alles over een bouwdepot"}]}]},{"componentType":"sectionTitle","title":"Step 8 – Completion"},{"componentType":"paragraph","richBody":{"value":"Hooray, your home is being handed over and you can move in! If all instalments, and any additional work, have been paid, we will close your construction deposit.
"}},{"componentType":"accordion","accordionList":[{"title":"Tip: Consider a handover inspection","richBody":{"value":"A building inspector will accompany you during the inspection (or handover) of the home and check whether everything is delivered as agreed.
Through us, you can easily arrange a building inspector at a discounted rate
It’s wonderful to start furnishing a new home. Just remember to arrange your home insurance in time. Both for the property itself and for your belongings, such as furniture, TVs, computers, and other items.
"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice for expats"},{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"}]}]},"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.
"}}]}}}