{"type":"document","data":{"id":"d6f0cd78-fd24-4e77-a865-ecd591436fd4","localeString":"en-GB","publishDate":"2026-04-08T17:08:25.971+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Is your mortgage ending and do you have home equity? Discover the options that fit your situation."},"mainHeaderZone":{"componentType":"productHeader","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"},"cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/your-mortgage/mortgagecheck","text":"To the Mortgage Check"}},"secondaryCta":{"textLink":{"url":"/en/personal/mortgage/your-mortgage/review-your-mortgage","text":"Review your Mortgage"}},"coreHeader":{"body":"Your mortgage is coming to an end, and you expect to have surplus value. Discover which steps you can take to keep living comfortably.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/b6c2b4a1-3da6-4e8d-91d1-1442defa86cf/A-woman-using-wireless-earphones-works-from-home-with-her-laptop-while-sitting-on-the-couch","type":"image","width":1920,"original":"https://assets.ing.com/m/6803d9ff59ec5683/original/A-woman-using-wireless-earphones-works-from-home-with-her-laptop-while-sitting-on-the-couch.jpg","extension":"jpg"},"title":"Equity surplus and the end of your mortgage term"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"You have surplus value, what can you do with it?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have surplus value and is your (partly) interest-only mortgage coming to an end? Then you don’t have to repay everything at once. You can use your surplus value to pay (part of) the final amount, extend your loan parts, or convert them. </p><p>If you extend, you can usually keep up to 50% of the current market value of your home as interest-only. The exact amount depends on your income and our acceptance criteria. Anything above that 50% is converted into an annuity or linear mortgage. For that part, you need sufficient borrowing capacity. This portion is not automatically repaid using your surplus value. </p><p>We reassess your interest rate based on the ratio between your mortgage debt and the market value of your home. We also recheck your income. </p><p><strong>Tip: </strong>do the<a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/mortgagecheck\"> Mortgage Check</a> or schedule a free <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/review-your-mortgage\">15min check-in</a> to instantly see what’s possible in your situation, what it costs and what it brings you. </p>"}},{"componentType":"sectionTitle","title":"Note: surplus value is not a guarantee for extension"},{"componentType":"paragraph","richBody":{"value":"<p>Even with generous surplus value, extending or borrowing again is not automatically possible. We primarily assess (future) income and whether you can afford the mortgage: can you handle the monthly payments now and later? <br />When extending, we conduct a creditworthiness assessment and also check whether you will retire within 10 years. This can reduce your borrowing capacity more than you might expect. If your (future) income or repayment options are insufficient, extension may not be suitable for your situation. </p>"}},{"componentType":"sectionTitle","title":"Quick insight with the Mortgage Check"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have a mortgage type such as Investment, Leven or Interest only? Check whether your mortgage still fits, now and in the future. See opportunities to improve your financial situation right away, such as reducing your interest rate surcharge by updating your home’s current value, adjusting your mortgage type or term, and financing sustainability improvements. </p>"}},{"componentType":"cta","textLink":{"url":"https://www.ing.nl/hypotheekcheck","text":"To the Mortgage Check"}},{"componentType":"paragraph","title":"Prefer to speak to someone?","richBody":{"value":"<p>With the mortgage check-in, we review your situation together. <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/review-your-mortgage\">Book a free appointment with our experts</a>. </p><p> </p><p><i>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. </i></p>"}}]}}}