{"type":"document","data":{"id":"5f9d03fc-6c1e-4b84-933f-35bb6596ac19","localeString":"en-GB","publishDate":"2026-04-13T15:01:59.307+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to pay off your entire mortgage (early) at once? Find out here how to fully repay your mortgage with ING."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"There are various situations where you may want to pay off your mortgage early and in full. Keep reading to find out when this could be the case for you and what the alternatives are.","title":"Paying off your mortgage early in full"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"When you can pay off your mortgage early in full"},{"componentType":"paragraph","title":"In the following situations, you can pay off your mortgage early in full:","richBody":{"value":"

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Here’s how to pay off your mortgage when moving house 

  1. Full early repayment of your mortgage is something you formalise before a notary.
  2. Either you or your adviser will first submit a repayment request to your notary and provide them with the documents they need. When you sell your home, it will be up to the buyer to select a notary.
  3. The notary will forward your repayment request and the documents to ING and receive the final repayment invoice within five working days. The final repayment invoice states all the amounts you have to pay, i.e. the debt outstanding on your mortgage, the interest, possible repayment charges and other fees. ING will send you a copy of the final repayment invoice as well. Bear in mind that you pay your mortgage in arrears every month and that the final repayment invoice will also include the final instalment or instalments.
  4. Your notary will transfer the amount due on the invoice to ING and have your mortgage removed from the Dutch Land Registry’s mortgage register.
  5. Make sure the notary requests the final repayment invoice from ING at least one month before your intended final repayment date. That way you can be sure that we will process your request in time.
  6. As soon as we have processed the repayment, you will receive written confirmation from us. This may be up to two weeks after your visit to the notary. We will then also delete your mortgage from My ING.
  7. At the start of the new calendar year, we will send you an annual statement, so remember to change your address on My ING. 

Repayment charges when moving house  

In most cases, you will not be charged any additional fees when paying off your mortgage because you’re moving house. Repayment charges may apply, however, if you have opted for the 'Voordeelrente', component 2 discounted interest rate in your interest rate contract. 

Mortgage portability 

When moving house, you will often be able to take your mortgage with you. You can do that by using the mortgage portability option when taking out your new mortgage with ING. More about mortgage portability.  

"}},{"title":"2. You’re refinancing your mortgage","richBody":{"value":"

Here’s how to pay off your mortgage when refinancing your mortgage

  1. Full early repayment of your mortgage is something you formalise before a notary.
  2. Either you or your adviser will first submit a repayment request to your notary and provide them with the documents they need. When you sell your home, it will be up to the buyer to select a notary.
  3. The notary will forward your repayment request and the documents to ING and receive the final repayment invoice within five working days. The final repayment invoice states all the amounts you have to pay, i.e. the debt outstanding on your mortgage, the interest, possible repayment charges and other fees. ING will send you a copy of the final repayment invoice as well. Bear in mind that you pay your mortgage in arrears every month and that the final repayment invoice will also include the final instalment or instalments.
  4. Your notary will transfer the amount due on the invoice to ING and have your mortgage removed from the Dutch Land Registry’s mortgage register.
  5. Make sure the notary requests the final repayment invoice from ING at least one month before the required final repayment date. That way you can be sure that we will process your request in time.
  6. As soon as we have processed the repayment, you will receive written confirmation from us. This may be up to two weeks after your visit to the notary. We will then also delete your mortgage from My ING.
  7. At the start of the new calendar year, we will send you an annual statement, so remember to change your address on My ING. 

Repayment charges when refinancing your mortgage 

If you're refinancing your mortgage, you need to meet certain conditions to avoid repayment charges. Please contact ING to find out more. After you’ve received the final repayment invoice, the charges may still turn out higher or lower. The charges may, for example, turn out (a lot) higher if the interest rate for similar loans has dropped. If that happens, you will receive an amended final repayment invoice. 

Alternatives to full early repayment when refinancing a mortgage

There are various ways to reduce the mortgage rate on your current ING mortgage to bring down your monthly payments. Get your mortgage details and discover the possibilities.

"}},{"title":"3. You have sufficient disposable funds available (download your Final Mortgage Repayment Invoice here)","richBody":{"value":"

Here’s how to pay off your mortgage using your disposable funds

You can pay off your mortgage early in full using funds of your own if you have built up sufficient capital by the end of the term, such as in the savings account linked to a bank savings mortgage, or if you have any capital available unrelated to your mortgage, such as savings or an inheritance. If you want to use your disposable funds to pay off your mortgage and do it without going through a notary, please note that this involves the following steps: 

  1. Request a Final Mortgage Repayment Invoice from us using this form. Sign the form along with any co-debtors stated in the mortgage deed and send your request to ING Hypotheken, Antwoordnummer 40940, 8900 TW Leeuwarden, Netherlands (postage paid, no stamp required). Attention! You cannot pay off your mortgage early without a final repayment invoice.
  2. ING will send you the Final Mortgage Repayment Invoice within five days of receiving your request. The final repayment invoice will state all the amounts you have to pay, i.e. the debt outstanding on your mortgage, the interest, possible repayment charges and other fees. Bear in mind that you pay your mortgage in arrears every month and that the final repayment invoice will also include the final instalment or instalments. Bear in mind that there may be a one-month notice period for termination of your mortgage.
  3. You then transfer the total amount due on the final repayment mortgage to ING. Details on how to transfer this amount are provided on the final repayment invoice.
  4. As soon as we have processed your repayment, you will receive written confirmation from us. This may take up to two weeks after you transferred the amount. At the start of the new calendar year, we will send you an annual statement.
  5. After you have paid off your mortgage, it will continue to be registered in the Dutch Land Registry’s mortgage register. A notary can have it removed from the register for you. Ask your notary what they need to be able to do that.

Repayment charges when using disposable funds  

If you repay your mortgage early using disposable funds you have available, there may be repayment charges. These charges may be waived if you meet certain conditions. Also, make sure you seek proper advice on possible tax consequences. You can call ING for that on +31 (0)20 22 888 88 or find an independent adviser near you.  

Alternatives to full early repayment when you have sufficient disposable funds 

1. Make your home more sustainable

Obviously, if you have the money available, you can use it to pay for the energy-saving modifications directly. You won’t incur any debt, and you won’t have to pay interest, which you would if you were to take out a loan or mortgage. Your monthly payments will therefore not go up as a result. On the other hand, you will have less money available for unforeseen expenses after the renovation. Check if you still have sufficient money set aside for that. Find out everything you need to know about sustainable living and your mortgage with ING. 

2. Invest

Investing may be an interesting option if you want to grow your capital for the next generation, for your company or for a better world. Find out more about investing with ING.

"}},{"title":"4. Part disposable funds and part accumulated capital","richBody":{"value":"

Here’s how to pay off your mortgage using both disposable funds and capital in a linked bank savings account, endowment policy or investments. 

You can pay off your mortgage early and in full if you have built up sufficient capital, along with the capital you’ve accumulated in your bank savings account, endowment policy or your investments. If you want to use your disposable funds to pay off your mortgage and do it without going through a notary, please note that this involves the following steps: 

  1. We will put together a customised proposal for you. Please contact ING for this.
  2. ING will send you a letter within five days of receiving your request. This letter will provide instructions on how to pay off your mortgage and state the conditions. You will be asked to return a form to close your bank savings account, endowment policy or your investments. Bear in mind that there may be a one-month notice period for termination of your mortgage.
  3. As soon as we have processed your repayment, you will receive written confirmation from us. This may take up to two weeks after you transferred the amount. At the start of the new calendar year, we will send you an annual statement.
  4. After you have paid off your mortgage, it will continue to be registered in the Dutch Land Registry’s mortgage register. A notary can have it removed from the register for you. Ask your notary what they need to be able to do that.

Repayment charges when using disposable funds 

If you repay your mortgage early using disposable funds you have available, there may be repayment charges. These charges may be waived if you meet certain conditions. Also, make sure you seek proper advice on possible tax consequences. Make an appointment with ING for that by calling +31 (0)20 22 888 88 or find an independent adviser near you.

Alternatives to full early repayment when you have sufficient disposable funds 

1. Make your home more sustainable 

Obviously, if you have the money available, you can use it to pay for the energy-saving modifications directly. You won’t incur any debt, and you won’t have to pay interest, which you would if you were to take out a loan or mortgage. Your monthly payments will therefore not go up as a result. On the other hand, you will have less money available for unforeseen expenses after the renovation. Check if you still have sufficient money set aside for that. Find out everything you need to know about sustainable living and your mortgage with ING. 

2. Invest

Investing may be an interesting option if you want to grow your capital for the next generation, for your company or for a better world. Find out more about investing with ING. 

"}}]},{"componentType":"sectionTitle","title":"Going to a notary to put your home equity towards your mortgage"},{"componentType":"paragraph","richBody":{"value":"

If you have one of the mortgages listed below, you will generally be able to put your accumulated home equity towards paying the final repayment invoice for your mortgage. You will have to go to a notary for that and make sure your notary sends the request to use home equity to ING in time. The applicable term is specified on the form.  

"}},{"componentType":"sectionTitle","title":"Everything you need to know about possible charges for full early repayment"},{"componentType":"accordion","accordionList":[{"title":"When can I pay off my mortgage early and in full without incurring charges?","richBody":{"value":"

There are situations where you can pay off your mortgage early and in full without charge:

"}},{"title":"When will I be charged for full early repayment?","richBody":{"value":"

Discover everything you need to know about repayment charges. 

"}}]},{"componentType":"sectionTitle","title":"Get guidance"},{"componentType":"paragraph","richBody":{"value":"

If you have any questions about the possibilities and consequences for your personal situation, want to run through the alternatives to full early repayment, or would like to get an idea of the charges for full early repayment, Review your Mortgage or contact us. We’re here for you. 

"}},{"componentType":"paragraph","richBody":{"value":"

Getting in touch with ING

Make an appointment by calling +31 (0)20 22 888 88 or start a chat below (you need to be logged in). We would be happy to help you on weekdays from 8am to 9pm and on Saturdays from 9am to 5pm. 

"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/service?dialog=service-contacts-chat&EW=True","text":"Start a chat on My ING"}},{"componentType":"paragraph","richBody":{"value":"

Getting in touch with an independent adviser 

Want to contact an independent adviser? ING works with over 2,600 independent advisers.  

Find an independent adviser near you.

 

"}}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"

The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.

"}}]}}}