{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Retirement and your mortgage. A new phase of life, a change in income.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Step 1: get a clear picture of your financial situation"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Well before your retirement date, around 15 years ahead of time for example, take stock of whether you will still be able to afford your mortgage after you retire. When doing so, look at:</span></span></span></p><ul><li><span><span><span><span>your net income in retirement</span></span></span></span></li><li><span><span><span><span>your expected outgoings</span></span></span></span></li><li><span><span><span><span>your own funds (such as savings)</span></span></span></span></li><li><span><span><span><span>how long you will still be entitled to tax relief on mortgage interest</span></span></span></span></li></ul>"},"textLinks":[{"text":"More about retirement (Dutch)","url":"/particulier/pensioenen"}]},{"componentType":"sectionTitle","title":"Step 2: your options"},{"componentType":"paragraph","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>As soon as you have a clear picture of your financial situation, you will know if you will still be able to afford your mortgage after you retire. Depending on your situation and preferences, you can then take action in consultation with <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice\">your mortgage adviser.</a> Things you can do include:</span></span></span></p><ul><li><span><span><span><span><strong>Making additional repayments</strong>: do you have sufficient funds of your own, such as savings? If you do, you can choose to make additional repayments on your ING mortgage. This will bring down your monthly payments. <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/how-to-make-additional-repayments-on-your-mortgage\">Read more about additional repayments</a>.</span></span></span></span></li><li><span><span><span><span><strong>Adjusting your mortgage rate</strong>: your mortgage rate determines your monthly payments. It may sometimes make good financial sense to break your fixed-rate period and switch to a lower mortgage rate. This will bring down your monthly payments. Read more about switching fixed-rate periods in the interim. </span></span></span></span></li><li><span><span><span><span><strong>Switching to a different type of mortgage</strong>: if you decide you want to pay off your mortgage during the term but are not yet doing so, you can choose to switch mortgage types. </span></span></span></span></li><li><span><span><span><span><strong>Increasing your mortgage</strong>: y</span></span></span></span>ou can borrow an additional €25,000 or more on your mortgage to cover expenses like home improvements.<span><span><span><span> Read more about increasing your mortgage. </span></span></span></span></li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Would you like to know more about the options for your personal situation? Or would you like to make an appointment for a free exploratory consultation? We are happy to help you on weekdays from 8am to 6pm and on Saturdays from 9am to 5pm. Or you can contact your intermediary.</span></span></span></p>"},"title":"Any questions?"},{"componentType":"linkList","iconTitle":{"title":"Got questions?"},"textLinks":[{"text":"Frequently asked questions about mortgages","url":"https://www.ing.nl/particulier/zoeken.html?q=hypotheken"}]}]},"hasMacro":false,"id":"ea3f825a-5d1c-4292-bb96-2fec1dfdf6e1","legalZone":{"flexComponents":[{"componentType":"paragraph","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>"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage","url":"/en/personal/mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Retiring is a big change. It often also means a drop in income. Many people wonder if they will be able to keep living in their current home after they retire. Or how to finance modifications to their home.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/5a88e0973faa5fde/original/Portrait-of-a-senior-with-a-stylish-beard-in-box-stance.jpg","transformBaseUrl":"https://assets.ing.com/transform/91354840-57aa-495b-a734-31a2f78425fb/Portrait-of-a-senior-with-a-stylish-beard-in-box-stance","type":"image","width":4370},"subtitle":"A new phase of life, a change in income","title":"Retirement and your mortgage"}},"publishDate":"2026-07-06T16:53:02.677+02:00"}}