Renovations often turn out to be more expensive than anticipated. If you don’t have enough savings or prefer not to use them for your renovation, you might consider applying for a slightly higher mortgage. This way, you can cover unforeseen expenses. However, increasing your mortgage is not unlimited. By law, your mortgage cannot exceed the value of your home after renovation.
If it later turns out that you borrowed too much and you have a construction deposit, any unused funds will automatically be deducted from your mortgage after two years. And as long as you don’t use the money, no interest is charged on the construction deposit—so you incur no costs.
"},"textLinks":[{"text":"Read more about the building deposit","url":"/en/personal/mortgage/your-mortgage/building-fund-account"}],"title":"Costs are often higher yhan expected"},{"componentType":"paragraph","richBody":{"value":"When you signed your mortgage at the notary, did you agree to a higher registration amount? And do you have enough room within this registration? Then you can apply for the mortgage increase without going back to the notary—saving notary fees. If you do need to visit the notary for the increase, you can choose to register your mortgage for a higher amount. If you want to increase your mortgage again in the future, you will need another notary visit.
"},"textLinks":[{"text":"Read more about when you need to visit the notary","url":"/particulier/hypotheek/jouw-hypotheek/wanneer-langs-de-notaris"}],"title":"Possibilities within the existing registration"},{"componentType":"paragraph","richBody":{"value":"Do you have a mortgage without National Mortgage Guarantee (NHG)? Then the interest you pay partly depends on the loan to value ratio. This is the ratio between your mortgage debt and the market value of your home after renovation. In general, the higher the ratio, the higher the interest rate.
Perhaps you have savings you can use for the renovation? Sometimes, with just a slightly lower mortgage, you fall into a lower loan to value category with a slightly lower interest rate.
"},"textLinks":[{"text":"Read more about the loan to value","url":"/en/personal/mortgage/your-mortgage/possibly-lower-mortgage-rate"}],"title":"Loan to value after raise"},{"componentType":"linkList","iconTitle":{"title":"Alles wat je nodig hebt"},"textLinks":[{"text":"Verhogen Zonder Advies","url":"/particulier/hypotheek/jouw-hypotheek/verhogen-zonder-advies"},{"text":"Kosten van verhogen","url":"/particulier/hypotheek/advieskosten/nieuwe-verhoging-hypotheek"},{"text":"Kennis- en ervaringstoets","url":"/particulier/hypotheek/jouw-hypotheek/kennis-en-ervaringstoets"},{"text":"Overwegingen hoogte hypotheek","url":"/particulier/hypotheek/jouw-hypotheek/overwegingen-hoogte-hypotheek"},{"text":"Keuze aflosvorm","url":"/particulier/hypotheek/jouw-hypotheek/keuze-hypotheekvorm"},{"text":"NHG en verhogen","url":"/particulier/hypotheek/jouw-hypotheek/nhg-en-verhogen"},{"text":"Keuze rentevaste periode","url":"/particulier/hypotheek/jouw-hypotheek/keuze-rentevaste-periode"},{"text":"Actieve Betaalrekening Korting","url":"/particulier/hypotheek/actuele-hypotheekrente/actieve-betaalrekening-korting"},{"text":"Keuze looptijd","url":"/particulier/hypotheek/jouw-hypotheek/keuze-looptijd"},{"text":"Hypotheekrenteaftrek","url":"/particulier/hypotheek/jouw-hypotheek/hypotheekrenteaftrek-voor-verhogingen"},{"text":"Inkomensrisico's","url":"/particulier/hypotheek/jouw-hypotheek/inkomensrisicos"},{"text":"Waarde van de woning (taxatie of ING Calcasa Desktoptaxatie)","url":"/particulier/hypotheek/jouw-hypotheek/waarde-van-de-woning"},{"text":"Bouwdepot","url":"/particulier/hypotheek/jouw-hypotheek/bouwdepot"},{"text":"Langs de notaris","url":"/particulier/hypotheek/jouw-hypotheek/wanneer-langs-de-notaris"},{"text":"Extra aflossen","url":"/particulier/hypotheek/jouw-hypotheek/extra-aflossen"}]},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"text":"Maximale hypotheek berekenen","url":"/particulier/hypotheek/hypotheek-berekenen"},{"text":"Actuele hypotheekrente","url":"/particulier/hypotheek/actuele-hypotheekrente"},{"text":"Hypotheek oversluiten","url":"/particulier/hypotheek/oversluiten"},{"text":"Eerste huis kopen","url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen"},{"text":"Ander huis kopen","url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek"},{"text":"Jouw hypotheek","url":"/particulier/hypotheek/jouw-hypotheek"},{"text":"Hypotheekvormen","url":"/particulier/hypotheek/hypotheekvormen"},{"text":"Duurzaam wonen","url":"/particulier/hypotheek/duurzaam-wonen"},{"text":"Hypotheekadvies","url":"/particulier/hypotheek/hypotheekadvies"},{"text":"Kosten","url":"/particulier/hypotheek/advieskosten"},{"text":"Situatie","url":"/particulier/hypotheek/situatie"},{"text":"Woondiensten","url":"/particulier/hypotheek/woondiensten"},{"text":"Contact","url":"/particulier/hypotheek/contact"}]}]},"hasMacro":false,"id":"a00edf46-6315-4493-a181-7a62112ed5a0","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"You’re thinking about increasing your mortgage to renovate your home. You’ve probably already considered the amount you want to borrow. Here are some important considerations regarding the mortgage amount.","headerImage":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/3e4e7ad4218e1f68/original/Young-couple-playfully-work-on-home-renovations.jpg","transformBaseUrl":"https://assets.ing.com/transform/79aafb62-a8b9-4562-afe1-e47d1a8fb80a/Young-couple-playfully-work-on-home-renovations","type":"image","width":5616},"title":"Considerations when increasing your mortgage"}},"publishDate":"2026-04-13T15:17:01.938+02:00"}}