{"type":"document","data":{"id":"9cd7607c-e021-4f55-acef-bbccd54693ee","localeString":"en-GB","publishDate":"2026-04-29T09:00:00.094+02:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Find everything about sustainable living here. Step-by-step plans, financing, Upgrade Checks and more."},"mainHeaderZone":{"componentType":"categoryHeader","legalBanner":{"image":{"transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46,"original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","extension":"svg"},"body":"Let op! Geld lenen kost geld","headerBannerType":"headerBannerType","componentStyle":"default"},"backLink":{"textLink":{"url":"/en/personal/mortgage","text":"Mortgage"}},"coreHeader":{"title":"Upgrade your home","subtitle":"Making your home more sustainable has advantages: you can reduce your energy consumption, improve your living comfort, and make your home future-proof. And did you already know that there are subsidies that can save you money? What are you waiting for?"}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Check your possibilities"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Upgrade Check","intro":"Quick insight into your home. Costs, savings and subsidies.","image":{"transformBaseUrl":"https://assets.ing.com/transform/5ceb73b2-ebc9-4975-95cc-d193e6da67a4/-icon-House-mortgage-money-solar-green-spot","type":"image","width":637,"original":"https://assets.ing.com/m/3638ad307e01307d/original/-icon-House-mortgage-money-solar-green-spot.png","extension":"png"},"link":{"url":"/en/personal/mortgage/sustainable-living/what-is-the-upgrade-check"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Upgrader","intro":"Get started right away? We help you from advice to installation & aftercare.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a49838b5-03b2-44fb-9769-5fe547c09461/houseinstallingdormer","type":"image","width":0,"original":"https://assets.ing.com/m/30452782a2bff44f/original/houseinstallingdormer.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/sustainable-living/what-is-the-upgrader"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Energy label and your mortgage interest rate","intro":"Possibly a lower mortgage interest rate if you improve your energy label.","image":{"transformBaseUrl":"https://assets.ing.com/transform/08e435c0-413a-411c-aa4a-25c7ff3a385b/house-energy-label-4","type":"image","width":160,"original":"https://assets.ing.com/m/21413cd0dec5963a/original/house-energy-label-4.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":"Already have a good energy label?","intro":"Then you get an extra sharp mortgage interest rate starting from energy label A.","image":{"transformBaseUrl":"https://assets.ing.com/transform/33a5f41a-8451-4d31-8012-f76a05eece58/House-energy-label-1-spot","type":"image","width":334,"original":"https://assets.ing.com/m/69ae786cff334939/original/House-energy-label-1-spot.png","extension":"png"},"link":{"url":"/en/personal/mortgage/current-mortgage-rates"},"promoText":"Check the actual mortgage interest rate"}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/e0cf98c9-f10f-4d17-89a5-19710bf8f190/dont-use-daan-atl-upgradejehuis-2025","original":"https://assets.ing.com/asset/e0cf98c9-f10f-4d17-89a5-19710bf8f190/dont-use-daan-atl-upgradejehuis-2025.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Save on energy usage"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Solar panels","intro":"Electricity without CO2 emissions.","image":{"transformBaseUrl":"https://assets.ing.com/transform/cb61ea3b-15bf-4b55-993d-1155aed452ff/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house","type":"image","width":1080,"original":"https://assets.ing.com/m/5fb612e65a9c249c/original/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/sustainable-living/solar-panels"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Insulation","intro":"Go for a more energy-efficient home.","image":{"transformBaseUrl":"https://assets.ing.com/transform/9f7cb489-09f9-49a2-84e8-9215f2107e46/Construction-site-close-up-with-workers-making-dry-wall-and-implementing-glass-wool-earthwool-acoustic","type":"image","width":5247,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/3185ee945ef0f0d9/original/Construction-site-close-up-with-workers-making-dry-wall-and-implementing-glass-wool-earthwool-acoustic.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/sustainable-living/insulation"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Heating","intro":"Take a step towards gas-free living.","image":{"transformBaseUrl":"https://assets.ing.com/transform/314cc572-2037-4d3f-ae6e-697027f6a864/Tabby-cat-laying-on-top-of-a-radiator-indoors","type":"image","width":5400,"original":"https://assets.ing.com/m/7c389b52dd520b39/original/Tabby-cat-laying-on-top-of-a-radiator-indoors.JPG","extension":"jpg"},"link":{"url":"/en/personal/mortgage/sustainable-living/heat-pump"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Insulated glazing","intro":"Relatively simple procedure, maximum results.","image":{"transformBaseUrl":"https://assets.ing.com/transform/8c7448f0-9095-4d30-b92c-784e8129d1ee/Rear-view-of-small-girl-drawing-on-foggy-window","type":"image","width":4500,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/38dd0a29b52bb0ad/original/Rear-view-of-small-girl-drawing-on-foggy-window.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/sustainable-living/insulated-glazing"}}]},{"componentType":"sectionTitle","title":"Financing your upgrade"},{"componentType":"paragraph","richBody":{"value":"<p>Financing a sustainable renovation of your home can be done in various ways. We have listed them for you. Did you know that when you enter a new fixed-interest period, you might be able to get a lower mortgage rate if you improve your energy label? And that you can get a higher mortgage if you want to make your new or existing home more sustainable?</p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Financing options","intro":"4 options to finance your sustainable renovation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/72929bb8-a251-4fa2-a284-590d779b1a56/PORTRAIT-OF-A-SMILING-GIRL-WITH-WOMAN","type":"image","width":5700,"original":"https://assets.ing.com/m/3819b7025de5501d/original/PORTRAIT-OF-A-SMILING-GIRL-WITH-WOMAN.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/sustainable-living/financing-sustainable-renovation"}}]},{"componentType":"accordion","accordionList":[{"title":"What are the advantages of a loan with 'Warmtefonds'?","richBody":{"value":"<p>Are you going to make your home more sustainable? Then the Nationaal Warmtefonds offers an affordable loan: the Energiebespaarlening. As an initiative of the central government, the Nationaal Warmtefonds has been helping to accelerate the energy transition since 2013. This is a collaboration between the government and various banks, including ING. With the energy savings loan you can borrow money on favorable terms for insulation, solar panels and a heat pump, for example. Handy if you don&apos;t have enough savings.</p>"},"textLinks":[{"url":"/particulier/hypotheek/duurzaam-wonen/warmtefonds","text":"More on the Nationaal Warmtefonds"}]},{"title":"What is a Verduurzamingsdepot?","richBody":{"value":"<p>You can then possibly get a higher mortgage based on the home value when you want to do a sustainable renovation. The extra money to pay for the sustainable renovation is available in a Verduurzamingsdepot. You may only used the money for legally permitted energy-saving measures.</p>"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/bouwdepot","text":"More on a Verduurzamingsdepot"}]}]},{"componentType":"sectionTitle","title":"Subsidies: don't miss out on this money"},{"componentType":"paragraph","richBody":{"value":"<p>The Dutch government wants to help you take energy-saving measures. Check which subsidy(s) you are eligible for. And how to apply for it.</p>"},"textLinks":[{"url":"/en/personal/mortgage/sustainable-living/government-subsidies","text":"Subsidies: all in 1 overview"}]},{"componentType":"sectionTitle","title":"Sustainability tips"},{"componentType":"paragraph","title":"What your energy label means for you","richBody":{"value":"<p>What does energy label A, B, C to G mean? How do you know yours? How does your energy label affect the amount you can borrow from us?</p>"},"textLinks":[{"url":"/en/personal/mortgage/sustainable-living/energylabels-for-homes","text":"Home energy label: this is how it works"}],"video":{"type":"video","originalUrl":"https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2.mp4","videoPreviewURLs":["https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/480p/DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2.mp4","https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/1080p/DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2.mp4","https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/720p/DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2.mp4","https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/mp4/DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2.mp4"],"thumbnails":{"mini":"https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/thumbnail/mini-DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2","webimage":"https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/thumbnail/webimage-DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2","thul":"https://assets.ing.com/asset/ff37a8dc-e2c8-4630-a3ec-1d2f17c08f39/thumbnail/thul-DONOTUSE_Upgradejehuis2026_Daan_9x16_60_GBDB_h2"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Together with Milieu Centraal"},{"componentType":"paragraph","richBody":{"value":"<p>ING works together with <a href=\"https://www.milieucentraal.nl/\">Milieu Centraal</a>. An independent information organization that provides reliable, practical information to save energy in daily life. Good for your wallet and the climate. Get started today. Every step helps!</p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/08bc6d9a-9819-4f98-9590-c3c35e45b70f/Milieu-centraal-witte-achtergrond","altTextEN":"Logo: Milieu Centraal","altTextNL":"Logo: Milieu Centraal","original":"https://assets.ing.com/m/27f5d1aabaa26085/original/Milieu-centraal-witte-achtergrond.jpg","extension":"jpg"}},{"componentType":"linkList","iconTitle":{"title":"And what’s also useful to know…"},"textLinks":[{"url":"/en/personal/mortgage/sustainable-living/national-heat-fund","text":"National Heat Fund: borrowing on favourable terms"},{"url":"/en/personal/mortgage/sustainable-living/upgrade-your-apartment-with-your-hoa","text":"Making your apartment building more sustainable with your Homeowners’ Association (HOA)"},{"url":"/en/personal/mortgage/sustainable-living/more-green-around-the-house","text":"More greenery around your home"},{"url":"/en/personal/mortgage/sustainable-living/ventilation","text":"Energy-efficient ventilation"},{"url":"/en/personal/mortgage/sustainable-living/heat-pump","text":"How does a heat pump work?"},{"url":"/en/personal/mortgage/sustainable-living/gas-free-living-step-by-step","text":"Going gas-free step by step: here’s how"},{"url":"/en/personal/mortgage/sustainable-living/foundation-risks","text":"Repairing foundations and preventing further damage"},{"url":"/en/personal/mortgage/sustainable-living/energylabels-for-homes","text":"All about energy labels"},{"url":"/en/personal/mortgage/sustainable-living/increase-self-consumption-of-solar-power","text":"How to use more of your own solar power"},{"url":"/en/personal/mortgage/sustainable-living/tips-to-keep-your-house-cool-in-summer","text":"How to keep your home cool in summer"},{"url":"/en/personal/mortgage/sustainable-living/home-battery","text":"Home batteries"}]}]}}}