Is the term of your mortgage, or one of your mortgage loan parts, coming to an end? If so, it is a good idea to review your options in time. In most cases, there are two possibilities: you repay your mortgage or you extend your mortgage.
Do you have equity in your home? Then it is important to understand what this does and does not mean. Equity is the difference between the value of your property and your outstanding mortgage debt. However, having equity does not automatically mean that you can extend your mortgage. Below, you can read more about your options for extending it.
"},"textLinks":[{"text":"To the Mortgage Check"}]},{"componentType":"sectionTitle","title":"Repaying your mortgage"},{"componentType":"paragraph","richBody":{"value":"Would you like to repay your mortgage in full? You can do so using your own funds. If you sell your home, you can use the proceeds from the sale to repay your outstanding mortgage debt.
If there is money left after the sale and full repayment of your mortgage, you have equity in your home. If the sale proceeds are lower than your outstanding mortgage debt, you will be left with a residual debt.
"}},{"componentType":"sectionTitle","title":"Extending your mortgage"},{"componentType":"paragraph","richBody":{"value":"Would you like to extend your mortgage? If so, we will reassess your situation. As part of this, we look at factors including your current and future income and the type of mortgage you have. Will you be able to continue paying your monthly repayments now and in the future?
In some cases, you can extend your mortgage in its current form. In other cases, you must first change your mortgage type. For example, if you have a mortgage type that we no longer offer, such as an Investment Mortgage, you must first convert it to a mortgage type that we still offer, such as a Repayment Mortgage, a Linear Mortgage or an Interest-Only Mortgage.
"}},{"componentType":"paragraph","richBody":{"value":"Having equity in your home does not automatically mean that you can extend your mortgage. When considering an extension, we primarily assess your income, your future income and the affordability of your mortgage.
A creditworthiness assessment applies when extending your mortgage. If you are due to retire within the next 10 years, we will also take your expected pension income into account. As a result, your borrowing capacity may be lower than you expect.
Do you have an interest-only mortgage component? If so, you can usually retain your existing interest-only mortgage loan part at the end of its term, up to a maximum of 50% of your property's value. If your interest-only debt exceeds 50% of the property value, the amount above that limit must be repaid in another way, for example through a Repayment Mortgage, a Linear Mortgage or by using your own funds.
If you wish to take out a new interest-only mortgage loan part, increase your mortgage or convert a mortgage loan part to interest-only, different rules apply. From 23 July 2026, this will be allowed up to a maximum of 30% of the property value, subject to a maximum amount that depends on the value of the property.
"},"title":"Please note: equity is not a guarantee that your mortgage can be extended"},{"componentType":"sectionTitle","title":"Quick insight with the Mortgage Check"},{"componentType":"paragraph","richBody":{"value":"Do you have a mortgage type such as an Investment Mortgage, Endowment Mortgage or Interest-Only Mortgage? Take the Mortgage Check. In just a few minutes, you will gain insight into your mortgage, both now and in the future.
You will see which points may require your attention. Examples include updating your current property value, adjusting your mortgage type or mortgage term, or reviewing options to make your home more energy efficient.
"}},{"componentType":"cta","textLink":{"text":"To the Mortgage Check","url":"https://www.ing.nl/hypotheekcheck"}},{"componentType":"sectionTitle","title":"Prefer to speak to someone?"},{"componentType":"paragraph","richBody":{"value":"With the mortgage check-in, we review your situation together. Book a free appointment with our experts
The mortgage check-in is free of charge. If you decide to make changes afterward, there may be costs involved. We always discuss these with you upfront.
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