ING always collects the mortgage interest and any repayments afterwards each month. Please ensure you have enough balance so that the entire mortgage amount can be transferred from your account. If you don't have enough balance, we can't collect the amount.
"}},{"componentType":"sectionTitle","title":"Just a new mortgage at ING?"},{"componentType":"paragraph","richBody":{"value":"Have you recently been to the notary for the mortgage contract? Keep in mind that a whole month goes by before we collect your mortgage for the first time. Example: Did your mortgage complete on January 15th? Then we will only collect your mortgage costs in early March. We will inform you about this by letter.
The amount you will pay for the first time is a one-off higher amount. In addition to the normal mortgage amount, you also pay interest on the remaining part of the month in which your mortgage was completed. Example: Did your mortgage complete on January 15th? At the beginning of March, we collect the ordinary mortgage amount for the month of February and the remaining days from 15 to 31 January.
"}},{"componentType":"sectionTitle","title":"Direct debit date mortgage 2026:"},{"componentType":"paragraph","richBody":{"value":"Log in on My ING for this. After clicking on the mortgage, you will immediately see your most recent mortgage payment. You can also see how the mortgage costs are built up. For example, how much you pay in interest and repayment.
Has the monthly amount been deducted from your current account? It can take up to 2 business days for your mortgage to be updated in My ING.
"},"textLinks":[{"text":"View your mortgage in My ING","url":"https://mijn.ing.nl/banking/overview"}]},{"componentType":"sectionTitle","title":"Review your Mortgage"},{"componentType":"paragraph","richBody":{"value":"Are you wondering if your mortgage (interest) still suits you? Are you looking for tips to save money or wondering how you can make your home more sustainable? Review your Mortgage in just 15 minutes.
"},"textLinks":[{"text":"Review your Mortgage","url":"/en/personal/mortgage/your-mortgage/review-your-mortgage"}]},{"componentType":"sectionTitle","title":"Worried about mortgage payments?"},{"componentType":"paragraph","richBody":{"value":"Are you worried about your mortgage payments? Do not hesitate to call our Mortgage Helpline (020 22 888 99) to find a solution with us. We are happy to help you on business days from 08:30 to 17:00.
"}},{"componentType":"sectionTitle","title":"Mortgage payment missed?"},{"componentType":"paragraph","richBody":{"value":"Have you missed a mortgage direct debit? We try to collect the monthly amount twice in the same month. Therefore, ensure sufficient balance on the account from which you pay the mortgage. You will also receive a letter, email or SMS in which we ask you to pay the monthly amount. If this does not work, we will contact you to discuss the situation. Together we look at the possibilities. You can also contact us yourself. The letter or email will tell you how to do this.
"},"textLinks":[{"text":"Read more about late payment","url":"/particulier/achterstand/hypotheek-achterstand"}]},{"componentType":"linkList","iconTitle":{"title":"Do you have any questions?"}},{"accordionList":[{"richBody":{"value":"Has there been a change in your mortgage recently due to, for example, an interest change or additional repayment? Then you will receive a letter with your amended mortgage details stating what your next monthly amount is. You can also see the monthly amount in the functionality 'Look ahead' in the ING App or My ING, about two days before the collection takes place.
"},"title":"What will be my next monthly payment?"},{"richBody":{"value":"With a Linear Mortgage, the monthly amount consists of repayment and interest. Repayment is equal every month. You pay interest on the outstanding mortgage debt. Because the debt decreases each month due to repayments, the amount you pay in interest each month also decreases (as long as the interest rate remains unchanged).
"},"title":"I have a Linear Mortgage, how are my monthly payments built up?"},{"richBody":{"value":"With an Annuity Mortgage, the monthly amount consists of repayment and interest. The total (gross) monthly amount that we collect from your account each month remains the same (as long as the interest rate remains unchanged). How this amount is built up does change every month. You will pay more every month in repayments, and less in interest.
"},"title":"I have an Annuity Mortgage, how are my monthly payments structured?"},{"richBody":{"value":"Have you recently been to the notary for the purchase of your new home? Congratulations! Keep in mind that the first collection of your mortgage payment only takes place after a full month has passed.
Example: Did your mortgage complete on January 15th? In early March, we will collect the amount for the period from 15 January to 28 February. This first amount is therefore higher than your usual monthly amount.
"},"title":"When will the first mortgage payment be collected?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"text":"Calculate maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"},{"text":"Current Mortgage Interest","url":"/particulier/hypotheek/actuele-hypotheekrente"},{"text":"Mortgage refinancing","url":"/particulier/hypotheek/oversluiten"},{"text":"Buying your first home","url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage"},{"text":"Buying your next home","url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek"},{"text":"Your mortgage","url":"/particulier/hypotheek/jouw-hypotheek"},{"text":"Mortgage forms","url":"/en/personal/mortgage/mortgage-types"},{"text":"Sustainable living","url":"/en/personal/mortgage/sustainable-living"},{"text":"Mortgage advice","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Costs","url":"/en/personal/mortgage/advisory-fees"},{"text":"Situation","url":"/en/personal/mortgage/situation"},{"text":"Property services","url":"/en/personal/mortgage/property-services"},{"text":"Contact","url":"/en/personal/mortgage/contact"}]}]},"hasMacro":false,"id":"010a32b3-615b-4d41-a93a-bc7ad4ca0ee1","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"You pay the mortgage costs each month. This is done through automatic direct debit. Below you can read based on which data we deduct the amount from your current account.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/4d9e61d96894114/original/Two_women_friends_look_at_laptop_while_eating_and_drinking_in_a_-low-res.jpg","transformBaseUrl":"https://assets.ing.com/transform/637d7371-f512-40fe-ad20-bd5b89f82476/Two_women_friends_look_at_laptop_while_eating_and_drinking_in_a_-low-res","type":"image","width":1024},"subtitle":"When do we collect your monthly payment?","title":"Direct debit dates for your ING mortgage"}},"publishDate":"2026-07-15T15:58:42.072+02:00"}}